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Landolio
Landolio

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I built 10 free money tools for UK freelancers. Here's what each one does.

After 4 years of freelancing in the UK, I kept building small tools to solve problems I hit repeatedly. They're all free, browser-based, and don't need an account.

Here's the full set:

1. Day Rate Calculator

Input your target salary, expenses, holidays, and tax rate. Get a recommended day rate that actually covers everything.

landolio.com/tools/day-rate-calculator

2. Self-Employed Tax Calculator

Full UK tax breakdown: Income Tax bands, Class 2 + Class 4 NI, student loan, and take-home. Updated for 2025/26.

landolio.com/tools/self-employed-tax-calculator

3. Late Payment Interest Calculator

Most UK freelancers don't know they can legally charge interest on overdue invoices. This calculates exactly what a client owes under the Late Payment of Commercial Debts Act 1998.

landolio.com/tools/late-payment-interest-calculator

4. Invoice Generator

Create a proper invoice, preview it, download PDF. Handles VAT, multiple line items, UK date format.

landolio.com/tools/invoice-generator

5. Payment Reminder Generator

Paste invoice details, pick escalation level (friendly / firm / final notice), get a copy-paste email.

landolio.com/tools/payment-reminder-generator

6. Client & Project Tracker

Track clients, projects, invoices. Dashboard with revenue, outstanding, overdue. CSV export. All in localStorage.

landolio.com/tools/freelancer-client-tracker

7. Cash Flow Forecast

3/6/12 month forecast. Enter expected income and expenses, see gaps before they happen.

landolio.com/tools/cash-flow-forecast

8. Business Expense Tracker

Track by HMRC category. Spending breakdown, running totals, CSV export for tax return time.

landolio.com/tools/expense-tracker

9. Mileage Calculator

HMRC-approved rates for cars (45p/25p), vans, motorcycles, bicycles. Shows actual tax saving.

landolio.com/tools/mileage-allowance-calculator

10. MTD Readiness Checker

8 questions. Tells you if Making Tax Digital affects you, what software you need, and your deadlines. MTD goes live 6 April 2026 — 20 days away.

landolio.com/tools/mtd-readiness-checker


All vanilla HTML/JS. No frameworks, no backend, no tracking. Your data never leaves your browser.

Built these for myself originally. Published them because I kept emailing links to freelancer friends who asked the same questions.

What tool do you wish existed? Happy to build it if there's demand.

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