Free Tools

Essential Tools for Freelancers & Small Businesses

A complete suite of free calculators and generators to help you manage invoices, forecast cash flow, calculate rates, and recover late payments—all without signing up.

Late Payment Calculator

Calculate late fees and interest charges on overdue invoices. Understand the true cost of late payments and set appropriate penalty rates.

Payment Terms Generator

Create professional payment terms (Net 30, Net 60) instantly. Generate clear terms for contracts and invoices.

Invoice Generator

Create polished invoices with tax calculations, multiple payment methods, and print-to-PDF functionality. No design skills needed.

Follow-up Email Planner

Plan payment follow-up email sequences for clients. Generate professional reminder emails to recover late payments.

Cash Flow Forecaster

Predict future cash flow by analyzing invoices and expected payment dates. Plan finances with confidence.

Payment Risk Scorer

Assess client payment reliability based on payment history and behavior. Make data-driven decisions on credit terms.

Client Onboarding Checklist

Streamline new client setup with our comprehensive onboarding checklist. Cover all critical payment and contract details.

Overdue Payment Letter Generator

Draft professional payment reminder letters for late invoices. Maintain relationships while recovering overdue amounts.

Freelancer Rate Calculator

Calculate hourly or project rates based on expenses and target income. Price your services competitively.

Want Automated Invoice Follow-ups?

Combine these tools with Getsettld's automated invoice reminders to get paid 3x faster.

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