Free Business Tools

Invoices, tax calculators, profit and loan tools, and readiness checks — a growing collection of free tools for business owners, accountants, and founders. No signups, no paywalls.

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Invoice GeneratorFree

Create professional invoices, quotations, proformas & purchase orders — print to PDF in seconds.

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Seal GeneratorFree

Create a round or rectangle company seal and download it as a transparent PNG or SVG.

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SVG DownloaderFree

Paste SVG code, preview it, and download as an SVG file or PNG at up to 4× scale.

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SIP CalculatorFree

See what your monthly SIP investment could grow to over time.

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Credit Note GeneratorFree

Create a professional credit note with VAT/GST and line items — print to PDF in seconds.

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Delivery Note GeneratorFree

Create a delivery note (goods despatched) with item quantities — no prices, print to PDF.

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Receipt GeneratorFree

Create a PAID payment receipt with VAT/GST and line items — print to PDF in seconds.

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Payslip GeneratorFree

Create a salary slip with earnings, deductions & net pay — print to PDF. UAE, Saudi, Qatar & India.

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Bank Statement ConverterFree

Upload a bank CSV, map the columns, and download a clean Excel-ready file — nothing uploaded.

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WPS SIF File GeneratorFree

Build the UAE Wage Protection System SIF file (SCR + EDR) from your payroll — download the .sif.

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Statement of Account GeneratorFree

Produce a customer statement with running balance and total outstanding — print to PDF.

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VAT Calculator (UAE/GCC)Free

Add or remove 5% VAT, run reverse VAT, and check profit after VAT.

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GST Calculator (India)Free

Add or remove GST with CGST/SGST and IGST splits across every slab.

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Profit Margin CalculatorFree

Turn cost and selling price into margin %, markup %, and net profit.

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Business Loan EMI CalculatorFree

Work out your monthly EMI, total interest, and total payable on any business loan.

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Accounting Health CheckFree

Answer a few questions and get your Accounting Maturity Score out of 100.

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ERP Readiness AssessmentFree

Find out whether your business is ready to move from spreadsheets to an ERP.

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QR Code GeneratorFree

Turn any link, text, or contact into a downloadable QR code.

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QR Code ReaderFree

Scan a QR with your camera or paste its data — decode instantly, and optionally POST each scan to your API.

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Barcode GeneratorFree

Generate Code 128, EAN-13, UPC-A, ITF-14 and more — download as PNG.

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Tatmeen DataMatrix GeneratorFree

Build a GS1 DataMatrix from GTIN, serial, batch, and expiry for UAE Tatmeen.

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UAE E-Invoicing Readiness CheckerFree

Find out in 2 minutes whether your business is ready for the UAE e-invoicing mandate.

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UAE TRN ValidatorFree

Check the format of a UAE Tax Registration Number in seconds.

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ZATCA QR DecoderFree

Decode a Saudi ZATCA e-invoice QR (Base64 TLV) into readable fields.

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FOC Pack CalculatorFree

Optimize Free-of-Cost orders without decimal packs.

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Password GeneratorFree

Create strong, random passwords with the length and character mix you choose.

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Password Strength CheckerFree

Estimate a password's entropy and crack time as you type — 100% offline.

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Hash GeneratorFree

Generate SHA-1, SHA-256, SHA-384 and SHA-512 hashes from any text.

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JWT DecoderFree

Decode a JSON Web Token's header and payload and read its claims and expiry.

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Base64 Encoder / DecoderFree

Encode text to Base64 or decode it back — with full UTF-8 and URL-safe support.

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WhatsApp Chat WidgetFree

Add a free click-to-chat WhatsApp button to your website in under a minute.

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WhatsApp Link & QR GeneratorFree

Create a wa.me click-to-chat link with a prefilled message, plus a downloadable QR code.

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WhatsApp API Pricing CalculatorFree

Estimate your monthly Meta conversation charges by country and message category.

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Broadcast Cost EstimatorFree

Find out what a bulk WhatsApp campaign costs — per message, per 1,000, and per month.

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WhatsApp ROI CalculatorFree

See how much extra revenue WhatsApp engagement could add to your business each month.

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Template Message PreviewerFree

Preview exactly how your WhatsApp template renders — with variables, formatting, and buttons.

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Break-even CalculatorFree

Find the exact sales volume where your business starts making a profit.

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ROI CalculatorFree

Measure the return on any investment as a percentage and net gain.

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Discount CalculatorFree

Work out the sale price and savings from any percentage discount.

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Working Capital CalculatorFree

Check your short-term financial health with working capital and current ratio.

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Startup Runway CalculatorFree

See how many months of cash you have left at your current burn rate.

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Business Valuation CalculatorFree

Estimate what your business is worth using earnings and revenue multiples.

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Inventory Turnover CalculatorFree

See how many times you sell and replace stock, and days of inventory on hand.

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Reorder Point CalculatorFree

Know exactly when to reorder stock so you never run out.

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SKU GeneratorFree

Build clean, consistent SKU codes for your products in seconds.

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Gratuity Calculator (UAE)Free

Estimate UAE end-of-service gratuity (EOSB) for limited contracts.

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Salary Calculator (UAE)Free

Break a UAE salary into basic, allowances, and true employer cost.

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Overtime CalculatorFree

Calculate overtime pay from basic salary, hours, and a rate multiplier.

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Employee Cost CalculatorFree

Find the true annual, monthly, and hourly cost of an employee.

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Attrition Rate CalculatorFree

Measure employee turnover and retention as a percentage.

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Customer Lifetime Value CalculatorFree

Estimate how much revenue and profit a customer brings over their lifetime.

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CAC CalculatorFree

Work out what it costs to acquire one new customer.

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Sales Commission CalculatorFree

Calculate commission on a sale and what's left for the business.

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Sales Forecast CalculatorFree

Project future revenue from a monthly growth rate.

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SLA Uptime CalculatorFree

Convert an uptime SLA into allowed downtime per day, month, and year.

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CSAT CalculatorFree

Turn satisfied responses into a customer satisfaction score.

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NPS CalculatorFree

Calculate your Net Promoter Score from promoters and detractors.

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Support Cost CalculatorFree

Estimate the cost of handling support tickets per ticket and per month.

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UAE Corporate Tax CalculatorFree

Estimate UAE corporate tax at 0% and 9% with Small Business Relief.

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UAE VAT Return (VAT201) CalculatorFree

Work out your net VAT payable or refundable for the FTA VAT201 return.

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UAE Pension (GPSSA) CalculatorFree

Estimate UAE national pension contributions for employee and employer.

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Zakat Calculator (Saudi)Free

Estimate Zakat at 2.5% on your Zakat base.

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GOSI Calculator (Saudi)Free

Estimate GOSI contributions for Saudi and non-Saudi employees.

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Saudi VAT Calculator (15%)Free

Add or remove 15% Saudi VAT in one tap.

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Income Tax Calculator (India)Free

Estimate income tax under the new and old regimes.

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TDS Calculator (India)Free

Work out TDS by section and see the net payment.

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GST Late Fee Calculator (India)Free

Estimate GST late fee and 18% interest on delayed returns.

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UK VAT Calculator (20%)Free

Add or remove 20% UK VAT instantly.

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UK Corporation Tax CalculatorFree

Estimate UK corporation tax with marginal relief.

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SIP CalculatorFree

See what your monthly SIP investment could grow to over time.

Also from Pyalm

Need More Than Free Tools?

Tenreply turns WhatsApp into a full engagement platform. Books handles your accounting. Pyalm Learn helps you build real skills.

Tenreply

Tenreply

WhatsApp engagement platform — broadcasts, chatbot automation, and click-to-chat widgets for growing businesses.

Pyalm Books

Books

Smart accounting platform for Dubai businesses — invoices, VAT, expenses, and financial reports in one place.

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Pyalm Learn

Structured courses and learning paths to grow your business and technical skills.

Got an idea for a tool?

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