Most small businesses don't fail because the work is bad. They fail because the numbers were wrong — priced too low, cash planned too loosely, a rate that never covered the taxes. Margin Sheets exists to make the right numbers the easy numbers: free calculators and templates that show every step of their math, so you can trust them, check them, and use them in real decisions.
Every tool here is free to use with no sign-up. The formulas, assumptions and sources are printed on each page, with the date they were last checked. Some pages recommend business software we genuinely think fits the job — if you sign up through one of those links, the software company may pay us a fee, at no cost to you. That's how the site stays free.
One limit, stated plainly: these tools do arithmetic on the numbers you give them. They are for estimation only — not tax, payroll, accounting, or financial advice. For decisions with real money on the line, run the result past your accountant.
Questions or a tool you'd like us to build? Contact details will be posted here at launch.