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. P