Business & Admin Tools

From invoice creation to financial planning, our business tools make administrative tasks easier and save time. Invoices, taxes and payment data are handled directly in your browser.

The E-Invoice Generator creates XRechnung-compliant XML invoices, while the VAT calculators separate net, gross and tax cleanly. Margin and markup calculators help with pricing, while the IBAN Validator and SEPA QR Generator verify and prepare payment data.

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VAT Calculator Convert between net and gross with German VAT at the rates of 19 % and 7 %, ideal for accurate pricing in everyday commerce. GDPR-compliant. Margin & Markup Calculator Calculate profit margin or selling price from cost and markup, so you can keep your margins clearly visible and competitive. GDPR-compliant. IBAN Validator Check IBANs with MOD-97 right in your browser, your input stays local, and instantly spot errors in your account data without delay. SEPA QR Generator (GiroCode) Generate a SEPA-EPC QR code (GiroCode) from IBAN, name and amount, fully local and processed directly in your browser. Salary Calculator (Gross to Net) Estimate your net salary from gross pay including income tax and social security contributions, entirely in your browser. Loan Calculator Calculate the monthly payment, total interest and full amortization schedule for an annuity loan, all in your browser. Pension Calculator (German statutory pension) Estimate your German statutory pension using the official formula, entirely in your browser without external tools. Hourly Rate Calculator Calculate your freelancer hourly rate from target salary, actual work days and costs, with a fully transparent estimate. Runs in your browser, GDPR-compliant. Home Buying Ancillary Costs Calculator Calculate home buying ancillary costs for properties in every German state, including transfer tax, notary and broker fees. GDPR-compliant. Document Retention Periods Find statutory document retention periods under HGB and AO, from booking records to personnel files, entirely in your browser. Late Payment Interest Calculator Calculate late payment interest per § 288 BGB for consumers or B2B using the commercial interest method, quickly and transparently. GDPR-compliant. Retirement Gap Calculator Estimate your monthly retirement gap and the capital you need to close it, so you can start saving early. Runs entirely in your browser, GDPR-compliant. 🔧 Payment Reminder / Dunning Generator Create a dunning notice from the first reminder to the final notice with a deadline, dunning fee and GiroCode as QR for direct payment. GDPR-compliant. Termination Notice Generator Create a termination notice for tenancy, mobile, internet, gym, insurance, employment or a subscription, including the notice period. GDPR-compliant. Trade Work Acceptance Protocol Create an acceptance protocol for trade and construction work under § 640 BGB with parties, service, acceptance result and defect list as a PDF to sign. Timesheet / Hours Log Keep a timesheet with your daily working hours and an automatically calculated total number of hours, saved as a PDF ready to sign. GDPR-compliant. Company Property Handover Protocol Document the handover of company property such as laptops, tools and accessories to employees with item, inventory number and condition in a PDF. Social Media Snippets Generate ready-to-post captions for Facebook, X, Instagram, Threads and WhatsApp, suitable for use with any tool. Runs locally in your browser, GDPR-compliant. 🔧 Employment Contract Generator Create an employment contract under the German Nachweisgesetz: parties, start, duration, duties, hours, remuneration, probation, leave, termination, as a PDF. Commuter Allowance Calculator Work out your deductible commuting allowance for the drive to work, with the flat 0.38 Euro per kilometre from the first kilometre (as of 2026), the stepped rates of earlier years, and the 4,500-Euro annual cap depending on your transport. Local and GDPR-compliant. Cash Discount Calculator Calculate the discount amount, the final payment and the effective annual interest rate when you pay early instead of at the end of the term. Uses the classic 2 percent for 14 days, 30 days example. Holiday Entitlement Calculator Find your statutory minimum annual leave under the German Federal Leave Act, including pro-rated leave when you start or leave mid-year. For full and part time, no sign-up, all in the browser. 🔧 Notice Period Calculator (Employment) Calculate the statutory notice period for an employment relationship under section 622 BGB, whether the employer or the employee resigns, including the probation period rule and longer employer periods. Not for rental or other contracts. Compound Interest Calculator See how your money grows with compound interest, compounded annually or monthly, plus optional regular deposits. Includes a year-by-year breakdown. Runs entirely in your browser. Business Card Designer Design business cards right in your browser, no upload and no software needed. With templates, colors and your logo, exported as PNG or a printable A4 sheet with 10 cards. vCard Generator Create an electronic business card (vCard/.vcf) right in your browser, no upload required. As a downloadable .vcf file or as a scannable contact QR code for your smartphone.