Cashowa
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Free, no sign-up
Selling platforms publish their fees and still leave you unable to say what they cost you, and nothing tells you how long your money will last. These work it out, for free, with nothing to install and no email required.
The real percentage Etsy takes from an order — including the Offsite Ads rate that becomes mandatory above $10,000 a year, and VAT on the fees for UK and EU sellers. Two lines every other calculator leaves out.
Open itThe month your rolling 12-month turnover crosses the UK's VAT registration threshold ($119,000, or £90,000), and the dates you must register by. Works in dollars or pounds, and models the window moving, so it knows what you can invoice next month, not just your headroom today.
Open itHow many months of cash your business has left, from your balance and the last three months of sales and costs. Then try a sales drop, a hire or a big bill and watch the answer move. The result can be emailed to you.
Open itHow many sales a month cover your costs, what you keep from each sale after fees, and which change moves it most: price, cost or overheads. Then see the price that would reach your profit goal. The result can be emailed to you.
Open itFour answers about your business, and a first look back: your profit and margin worked out with the working shown, three things to do this week and two leaks to check. The advice is written by an AI around figures our code calculates. Up to two a day. The result can be emailed to you.
Open itHow long your savings will last, and how a new job, a move, a baby or a big expense changes it. Built on the same what-if engine as Cashowa's forecast. The result can be emailed to you.
Open itWhen you will be debt-free, the order to pay your debts in with snowball and avalanche compared on your own numbers, and what an extra $100 a month changes. Add a savings goal and see when you reach that too. The result can be emailed to you.
Open itDoes an AI assistant name your business when a customer asks who to use? We ask one, with live web search, the question a customer would, then show who it recommended and which sources it cited. One question, one assistant, once a day. The result can be emailed to you.
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