Empowering the Solo Economy with Zero-Surveillance Financial Tools
Why we built FreelanceTools: to provide independent creators, developers, designers, and consultants with enterprise-grade financial modeling that respects absolute client privacy.
The Mission: Financial Sovereignty for Solo Operators
Over the past decade, more than 70 million professionals worldwide have transitioned from traditional salaried employment into independent contracting, freelancing, and agency entrepreneurship. While self-employment offers unprecedented creative freedom and schedule flexibility, it places an immense administrative burden on the individual.
Unlike corporations staffed with dedicated payroll teams, legal counsel, and accounts receivable departments, solo contractors must calculate their own tax withholding, protect their rates against inflation, price complex fixed deliverables, and create enforceable invoices.
Unfortunately, most existing invoicing and bookkeeping software has devolved into expensive, privacy-invasive cloud subscription products. They demand corporate credit cards, lock user data behind monthly subscription walls, track financial metrics for advertising brokers, and frequently suffer database breaches.
FreelanceTools was founded on a simple principle: financial planning utilities should be free, lightning-fast, and run 100% locally inside your web browser without transmitting a single byte of confidential data.
The Comprehensive 9-Tool Financial & Legal Suite
1. Day & Hourly Rate Calculator
Reverse-calculates your minimum sustainable billing rate based on real take-home targets, 25h billable utilization, taxes, and expenses.
Launch Tool →2. Permanent Salary to Day Rate Converter
Translates salaried PAYE employment packages (including employer pension, healthcare, and 28 holiday days) into equivalent contracting day rates.
Launch Tool →3. Project Scope & Milestone Quoter
Builds fixed-price proposals with risk multipliers (1.0x to 1.5x), scope buffers, and staged milestone payment schedules (40-30-30).
Launch Tool →4. Contract & SOW Clause Builder
Generates customized, protective UK statements of work and contract clauses covering IP retention, kill fees, late penalties, and scope creep.
Launch Tool →5. Zero-Storage Printable Invoice Maker
Audit-compliant A4 commercial invoices. In-browser PDF generation and client-side JSON backups with zero server tracking.
Launch Tool →6. Net vs Gross Tax & VAT Splitter
Forward tax additions and reverse VAT extractions. Automatically partitions spendable cash from government consumption taxes.
Launch Tool →7. Sole Trader vs Limited Company
Calculates the UK take-home difference between self-employment NI and corporate director salary/dividend distributions.
Launch Tool →8. Reverse Stripe Fee Calculator
Calculates the exact gross invoice sum needed to receive your intended net sum after merchant card interchange deductions.
Launch Tool →9. Statutory Late Payment Interest Calculator
Enforces commercial prompt payment under the Late Payment of Commercial Debts Act 1998 with daily interest and tiered compensation.
Launch Tool →Technical Architecture: Why 100% Client-Side Matters
FreelanceTools is built with SvelteKit and compiled into 100% static client-side bundles hosted on Cloudflare Pages global edge network.
- No Central Database: There is no MySQL, PostgreSQL, or MongoDB server. We have no place to store your financial numbers.
- Zero Session Recording: We do not run FullStory, Hotjar, or intrusive telemetry recording your financial inputs.
- Local Device Storage: Calculations and state persist purely in your browser's
localStoragesandbox. - Instant Offline Calculations: Svelte 5 reactive runes compute every equation instantly on your machine's CPU with zero latency.