Free Business Tools & Calculators
Every free invoice24 tool in one place, built for Gibraltar businesses — invoicing, payroll, tax calculators, converters, PDF tools, and generators. All free, no sign-up required.
Invoicing & Documents
Invoice Generator →Create and send professional invoices, free, no sign-up required.Receipt Generator →Generate itemised, print-ready receipts for any sale or payment.Estimate Generator →Create a professional quote or estimate to send to a prospective client.Quote Generator →Create a firm, fixed-price quote or quotation a client can accept, then download as PDF.Credit Note Generator →Correct or cancel an already-issued invoice with a referenced credit note, then download as PDF.Gibraltar Purchase Order Generator →Create and send purchase orders to suppliers, tracked and print-ready.Expense Report Generator →Log business expenses and generate an expense report for reimbursement or accounting.Invoice Templates →Free, downloadable invoice templates in Word, Excel, and PDF.Estimate Template →Download a free estimate template for Gibraltar with editable line items, validity dates, no VAT notes, and Word or Excel formats.Quote Template →Download a free quote template for Gibraltar with acceptance terms, expiry dates, no VAT notes, and Word or Excel formats.Proforma Invoice Template →Download a free proforma invoice template for Gibraltar with line items, customs/payment notes, no VAT caution, and Word or Excel formats.Credit Note Template →Download a free credit note template for Gibraltar with original invoice reference, reason, no VAT adjustment, and Word or Excel formats.Delivery Note Template →Download a free delivery note template for Gibraltar with delivery address, item quantities, carrier details, signature fields, and Word or Excel formats.Purchase Order Template →Download a free purchase order template for Gibraltar with PO number, supplier details, delivery address, approval fields, and Word or Excel formats.Itemized Invoice Template →Download a free itemized invoice template for Gibraltar with detailed line items, quantities, unit prices, no VAT, totals, and Word or Excel formats.Receipt Template →Create professional receipts for your business in Gibraltar. Add line items, apply tax, and download as PDF — free, no sign-up required.Document Templates →Fill-in legal and business document templates — free Word and PDF downloads, no sign-up.Invoice Templates by Industry →Download industry-specific invoice templates in Google Sheets, Google Docs, Excel, and Word.Invoice Generators by Industry →Invoice generators tailored field-by-field to your specific trade or profession.E-Signature →Sign documents electronically or collect signatures from clients online.
Payroll & Tax Calculators
VAT Calculator →Calculate the correct sales/VAT/GST tax to charge on an invoice.Salary Calculator →Calculate gross-to-net salary, tax, and deductions for an employee.Payslip Generator →Generate compliant, itemised payslips for employees each pay period.Hourly Pay Calculator →Calculate hourly take-home pay, overtime, and the total employer cost.Income Tax Calculator →Estimate personal income tax owed based on income and allowances.Corporation Tax Calculator →Calculate corporation/company tax owed on business profits.Pro Rata Salary Calculator (Gibraltar) →Calculate your pro rata salary in Gibraltar in seconds. Enter your full-time salary, contracted hours and hours actually worked to see your annual, monthly and weekly pay in GBP.Bradford Factor Calculator →Calculate an absence score from absence spells and total days absent.Holiday Entitlement Calculator →Calculate Gibraltar statutory annual holiday entitlement, starting at 15 working days and rising with continuous service, under the Employment (Annual and Public Holidays) Order.Sick Pay Calculator →Calculate the two statutory sick pay tiers -- two weeks full pay then four weeks half pay -- that Gibraltar employers must provide.Maternity Allowance Calculator →Calculate Gibraltar's flat-rate Maternity Allowance, paid by the Social Insurance Fund for 18 weeks.Employee Benefits Tax Calculator →Estimate the tax on employee benefits in Gibraltar, valued at the employer's actual cost, with the first £250/year exempt.
Project & Time Tracking
Project Cost Calculator →Estimate total project cost from labour, materials, and overheads.Revenue Forecaster →Forecast future revenue based on historical growth and trends.Work Hours Calculator →Calculate total hours worked between a start and end time.Time Card Calculator →Total up weekly time card hours for payroll, including overtime.Timesheet Template →Log hours, breaks and overtime with automatic totals — no sign-up.
Business Calculators
Margin Calculator →Work out profit margin, markup, and selling price from cost and margin percentage.Percentage Calculator →Calculate percentages, percentage change, and percentage of a total instantly.Loan Calculator →Estimate monthly repayments, total interest, and amortisation for any loan.Investment Calculator →Project mutual fund and investment growth with compounding returns over time.Mortgage Calculator →Calculate mortgage repayments, interest, and amortisation schedules.Amortisation Calculator (Gibraltar) →See your full amortisation schedule, compare repayment methods, and model extra payments.Date Calculator →Add, subtract, or find the difference between dates in days, weeks, or months.Timber Calculator →Calculate timber volume, cut lists, log scaling, and firewood conversions.
Converters & Lookup Tools
Currency Converter →Convert between world currencies using live exchange rates.Unit Converter →Convert length, weight, volume, area, temperature, and more between units.Timezone Converter →Compare times across timezones and find overlapping working hours.Gibraltar IBAN →Look up bank routing, sort, or SWIFT/IBAN codes for domestic and international transfers.
PDF Tools
Edit PDF →Add text, images, and annotations to any PDF directly in your browser.Watermark PDF →Add text or logo watermarks to PDF files in your browser, with no upload.Merge PDF →Combine multiple PDF files into a single document in seconds.Split PDF →Extract specific pages or split a PDF into multiple separate files.Compress PDF →Reduce PDF file size for easier sharing and emailing without losing quality.PDF to Word →Convert a PDF into an editable Word (.docx) document.PDF to Excel →Extract tables and data from a PDF into an editable Excel spreadsheet.Word to PDF →Convert a Word document into a shareable, print-ready PDF.JPG to PDF →Combine one or more JPG images into a single PDF file.PDF to JPG →Convert each page of a PDF into a high-quality JPG image.
Generators & Design Tools
QR Code Generator →Create a free QR code for a URL, Wi-Fi network, contact card, or plain text.Barcode Generator →Create free EAN, UPC, Code 128, GS1-128, QR, DataMatrix and print-ready barcode labels.Logo Maker →Design a professional logo for your business in minutes, no design skills needed.Logo templates for Gibraltar businesses →Logo templates covering Gibraltar business categories — shipping and bunkering agencies, finance, trades and hospitality. Free SVG and PNG, no sign-up.Letterhead Templates for Gibraltar Businesses →Create a professional Gibraltar company letterhead online, A4-sized, with your Companies Act 2014 details built in. No signup — free instant PDF or Word export.Menu Maker →Design a menu free on A4, A5 or DL — no VAT line to explain.Menu Templates →Editable menu templates on A4, A5 and DL — fill in and print.Business Card Maker →Create and download print-ready business cards with your branding.Business Name Generator →Generate unique, available business name ideas for your new venture.SKU Generator →Generate consistent, structured SKU codes for your product inventory.Random Number Generator →Generate random numbers within a custom range for draws, samples, or testing.Password Generator →Create strong, random passwords with customisable length and character sets.Word Counter →Count words, characters, sentences, and estimated reading time instantly.Online whiteboard →Use a free online whiteboard for drawing, teaching, planning, brainstorming and quick exports in your browser.Remove Image Background →Automatically remove the background from any photo or product image.Resize Image →Resize, compress and convert images in your browser — set exact pixels or a target size in KB, with no upload.Colour Picker →Pick any colour from an image and get instant HEX, RGB, HSL, HSV and CMYK codes.Email Signature Generator →Create a professional HTML email signature and copy it straight into Gmail or Outlook.QR Code Scanner →Scan a QR code from your camera, screenshot, or image.
Finance & Reporting
Conversions & geometry
Square Footage Calculator →Free square footage calculator for Gibraltar rooms, flats, and property listings. Enter length and width to get square footage instantly for flooring, paint, or letting listings.Square Metre Calculator →Free square metre calculator for Gibraltar flats and rooms — square, rectangular, circular, or polygon. Get an instant m² figure for flooring, tiling, or paint quotes.Square Yards Calculator →Convert square metres to square yards for comparing imported carpet or turf pricing in Gibraltar. Enter your room size for an instant square-yard conversion.Wall Square Metre Calculator →Calculate wall square metres for paint, wallpaper, or plasterboard in Gibraltar — enter room dimensions and door/window openings for an accurate cost estimate.Cubic Yard Calculator →Convert cubic yards to cubic metres for gravel, mulch, topsoil, or concrete in Gibraltar. Choose your shape and enter dimensions for an instant volume conversion.Square Feet to Cubic Yards Calculator →Convert square feet to cubic yards (and m² to m³) for concrete slabs, mulch, or gravel in Gibraltar. Enter area and depth to get the volume you need.Gallons Per Square Foot Calculator →Work out pool, tank, or raised-bed fill volume in litres or gallons for a Gibraltar property. Enter area (or length x width) and depth for an instant fill volume and cost.Elevation Grade Calculator →Free elevation grade calculator: enter rise and run to get slope grade percentage, ratio, and angle of elevation — for driveways, drainage, ramps, and site grading in Gibraltar.Ramp Slope Calculator →Ramp slope and gradient calculator for wheelchair and accessibility ramps in Gibraltar. Enter rise and choose a slope ratio to get the required run and ramp length.Mitre Angle Calculator →Mitre angle calculator for trim, coving, and framing corners in Gibraltar. Enter the joint angle and board widths to get the exact mitre saw cut angle.Angle Cut Calculator →Angle cut calculator for knee braces and diagonal supports in Gibraltar. Enter plank thickness and the two leg distances to get the cutting angle and plank length.Angle of Depression Calculator →Angle of depression calculator: enter vertical drop and horizontal distance to find the angle below horizontal for a line of sight in Gibraltar.Taper Calculator →Taper calculator for machining and woodworking in Gibraltar: enter major diameter, minor diameter, and taper length to get the taper angle and taper ratio.Rolling Offset Calculator →Rolling offset calculator for pipefitters in Gibraltar: enter roll, set, and fitting angle to get the true offset, travel (cut length), and run around obstructions.
Concrete & masonry
Concrete Slab Calculator →Concrete slab calculator for Gibraltar: enter length, width and thickness in metres to get volume in m³, bag count or ready-mix order size and a real cost estimate.Concrete Column Calculator →Gibraltar concrete column calculator: work out concrete volume for round or square columns from diameter/side and height, with bag count and material cost.Concrete Cylinder Calculator →Gibraltar concrete cylinder calculator: for pours or standard test cylinders — enter diameter and height for volume in m³/litres, bags and material cost.Concrete Block Calculator →Gibraltar concrete block calculator: work out how many 440x215mm dense blocks (UK-format) and mortar bags you need for a wall, with a real cost estimate.Concrete Block Fill Calculator →Gibraltar core-fill calculator: work out how much grout concrete fills the hollow cores of a UK-format 440x215mm block wall, plus bags and cost. A niche reinforced-blockwork technique locally, not the dominant Gibraltar wall method.Cement Calculator →Gibraltar cement calculator: enter your wet (placed) volume in m³ and mix ratio to get cement, sand and aggregate quantities, 25kg bag count and cost.Concrete Column Formwork Calculator →Gibraltar concrete column formwork calculator: pick a tube diameter and enter height to get concrete volume, bags and material cost for piers and footings.Rebar Calculator →Gibraltar rebar calculator: enter slab size and T-bar spacing (BS 4449/BS EN 10080, T8-T25, grade B500B) to get bar count, total weight and material cost.Brick Calculator →Gibraltar brick calculator: work out how many 215x102.5x65mm UK-format bricks you need for a wall, single or double skin, plus mortar and real cost.Retaining Wall Calculator →Gibraltar retaining wall calculator: work out how many wall blocks you need plus gravel backfill volume and weight, with a real material cost estimate.Wall Volume & Cost Calculator →Gibraltar wall volume and cost calculator: enter wall length, height and thickness for a poured wall, or block/brick size for a masonry wall, to get cost.
Aggregates & earthworks
Gravel Calculator →Work out how much gravel, MOT Type 1 or ballast you need by area and depth for your Gibraltar project. Get volume, weight in tonnes and an instant cost estimate.Sand Calculator →Work out how much sharp sand or soft building sand you need for your Gibraltar project. Get volume, weight in tonnes and an instant cost estimate.Crushed Stone Calculator →Calculate how much crushed stone or hardcore (MOT Type 1) you need for your Gibraltar project. Instant volume, weight in tonnes and cost.River Rock Calculator →Calculate how much decorative river rock, cobbles or pebbles you need for your Gibraltar garden. Get volume, weight in tonnes and cost.Limestone Calculator →Calculate how much crushed limestone you need for your Gibraltar project. Get volume, weight in tonnes and an instant cost estimate.Asphalt Calculator →Calculate how much asphalt (tarmac) you need for your Gibraltar driveway, accounting for compaction. Get tonnage and an instant cost estimate.Jointing Sand Calculator →Calculate how much bedding sand and kiln-dried jointing sand you need for block paving in Gibraltar. Get volume, weight and cost.French Drain Calculator →Plan a French drain from trench dimensions: gravel backfill volume, pipe run length and filter fabric area, plus total cost, for your Gibraltar project.
Weights
Steel Weight Calculator →Calculate the weight of round bar, rebar, tube or rectangular steel stock from its dimensions and grade. Instant weight in kg and cost estimate.Steel Plate Weight Calculator →Calculate the weight of a rectangular, circular or ring steel plate from its dimensions and grade. Instant weight in kg and cost estimate.Aluminium Weight Calculator →Calculate the weight of aluminium sheet, plate, round bar or tube by alloy. Instant weight in kg and cost estimate.Metal Weight Calculator →Calculate the weight of bar, tube, plate or box stock in steel, aluminium, brass, copper and more. Instant weight in kg and cost estimate.Glass Weight Calculator →Calculate the weight of a glass sheet, panel or rod by shape, thickness and glass type. Instant weight in kg and cost estimate.Pipe Weight Calculator →Calculate pipe or tube weight from outer diameter, wall thickness (or bore) and length. Instant weight in kg and cost estimate.Timber Weight Calculator →Calculate the weight of dimensional timber from length, width, thickness and species, adjusted for moisture state. Instant weight in kg.Log Weight Calculator →Calculate the weight of a tapered round log from its diameters, length and species, adjusted for green, air-dried or kiln-dried moisture.Concrete Weight Calculator →Calculate the weight of a concrete pour from its volume or dimensions, by concrete type. Instant weight in kg/tonnes and cost estimate.Size to Weight Calculator (Rectangular Cuboid) →Calculate the weight of any rectangular box or cuboid from its length, width and height, using a built-in materials density table or your own value.
Carpentry & framing
Stud Wall Calculator →Calculate the number of timber studs, plates, and corner studs for a stud partition wall. UK-standard "4x2" (100x50mm nominal) timber, 400mm/600mm centres.Rafter Length Calculator →Calculate rafter length from rise, run, and overhang, plus rafter count for your roof.Roof Truss Calculator →Calculate rafter/top-chord length and truss count for your roof, with material and installation cost.Stair Calculator →Calculate step count, riser height, tread depth, and stringer length for your staircase, checked against Gibraltar Building Rules guidance.Spiral Staircase Calculator →Calculate step count, tread angle, handrail length, and headroom clearance for a spiral staircase.Spindle Spacing Calculator →Calculate spindle (baluster) count and spacing for a deck or stair railing, checked against a 100mm maximum gap convention.Wood Beam Span Calculator →Check a timber beam span against deflection, bending, and shear limits per Eurocode 5 (EN 1995), following the UK National Annex framework used in Gibraltar.Floor Joist Calculator →Calculate floor joist count and cost, or find the maximum allowable span, per Eurocode 5 (EN 1995), following the UK National Annex framework used in Gibraltar.Plywood Calculator →Calculate how many plywood sheets you need, using the standard 2440x1220mm metric sheet size.Roof Pitch Calculator →Convert roof rise and run into pitch as a percent grade, degrees, or ratio, plus rafter length.
Structural
Beam Deflection Calculator →Calculate maximum beam deflection for simply-supported or cantilever beams, with a deflection-limit pass/fail check.Beam Load Calculator →Calculate support reactions, shear force, and bending moment for a simply-supported beam carrying multiple point loads.Bending Stress Calculator →Calculate bending stress or applied moment using the flexure formula for common cross-sections, with a utilization-ratio check.Snow Load Calculator →Calculate roof snow load per Eurocode 1 (EN 1991-1-3), following the UK National Annex framework used by Gibraltar’s engineering profession. Gibraltar’s Mediterranean climate gives a negligible ground snow load in practice.
HVAC, energy & flow
CFM Calculator →Work out the ventilation airflow you need in CFM or m³/h for any room, based on recommended air changes per hour.Air Changes Per Hour Calculator →Work out the ACH a room is actually getting from its size and measured airflow, and check it against the recommended target.Heat Loss Calculator →Calculate a room’s fabric heat loss in watts to size a radiator correctly, using U-values in line with UK-modelled Building Rules practice.Air Con Size (BTU) Calculator →Find the right air con size in BTU/hr and kW for your room from its floor area, sunlight, ceiling height and occupancy.Insulation Calculator →Calculate the total R-value and U-value (W/m²K) of a multi-layer wall, roof or loft insulation build-up.Gallons Per Minute (GPM) Calculator →Convert flow rate between gallons per minute and litres per minute, or solve for volume or time from a known flow rate.Pipe Volume Calculator →Calculate the internal fluid volume and liquid mass of a straight pipe from its inner diameter, length and liquid density.Tank Volume Calculator →Calculate the total and partial-fill capacity of a vertical cylinder, horizontal cylinder, rectangular or capsule-shaped tank, in litres or gallons.
Surfaces & finishes
Flooring Calculator →Calculate how much flooring you need for a room in m², with material-specific waste allowance and total cost.Tile Calculator →Calculate how many tiles and boxes you need for a floor or wall, including grout gap, layout pattern and waste allowance.Grout Calculator →Calculate how many bags of grout you need for a tiled area from tile size, joint width and depth, and grout type.Tile Adhesive Calculator →Calculate how many bags of tile adhesive you need for a tiling job, with thickness looked up by tile size.Plasterboard Calculator →Calculate how many plasterboard sheets you need for a room from wall/ceiling area, door and window openings, sheet size and waste allowance.Wallpaper Calculator →Calculate how many rolls of wallpaper you need for a room, using the standard UK roll size (0.52 x 10 m) and pattern repeat.Paint Calculator →Calculate how many litres of paint you need for a room from wall area, number of coats and coverage rate.Epoxy Calculator →Calculate how much epoxy resin and hardener you need for a rectangular or circular surface, at any mix ratio and coating thickness.Sealant Calculator →Calculate how many tubes or cartridges of sealant you need for a joint or gap from its length, width and depth.Roofing Calculator →Calculate your roof’s sloped surface area from its footprint and pitch, then estimate material and cost for tile, membrane (common on Gibraltar’s flat roofs) or metal roofing.Roof Shingle Calculator →Calculate how many bundles of asphalt shingles you need for a roof (an imported roofing style in Gibraltar, distinct from the more common flat/membrane roof).
Outdoor & fencing
Fence Calculator →Work out how many fence posts, rails, pickets and concrete for footings you need for your Gibraltar fence, plus total material cost in GBP.Fence Picket Calculator →Calculate exactly how many fence pickets you need from picket width and gap spacing, plus material cost in GBP.Board on Board Fence Calculator →Calculate posts, rails and overlapping boards for a board-on-board (featheredge-style) privacy fence, plus material cost in GBP.Decking Calculator →Calculate how many decking boards and fasteners you need for your deck, plus material cost in GBP.Block Paving Calculator →Calculate how many paving blocks you need for a driveway or patio from area and block size, including waste allowance and installed cost in GBP.Pool Volume Calculator →Calculate your swimming pool volume in litres or cubic metres and an estimated water-fill cost in GBP.Round Pen Calculator →Work out how many fence panels you need for a round pen from its diameter and panel length, plus cost in GBP.
Mechanical & electrical
Thread Calculator →Calculate metric screw thread geometry — pitch diameter, minor diameter and ISO 965 tolerances — from major diameter and pitch.Thread Pitch Calculator →Work out metric thread pitch from a measured length and thread count, and match it to the nearest standard ISO metric size.Bolt Torque Calculator →Calculate bolt tightening torque from clamping force using K-factor, diameter and lubrication factor, with an ISO 898-1 torque table.Welding Calculator →Calculate fillet or butt weld load capacity from leg size, length and base-metal strength, with a typical callout cost in GBP.Box Fill Calculator →Check an electrical enclosure against its rated fill capacity from conductor count, gauge, devices and grounds — BS 7671/IEC 60670-aligned framing for Gibraltar.
Contractor status & IR35-style calculators
Gibraltar Net Salary Calculator (GIBS vs ABS) →Work out your Gibraltar take-home pay for 2026/27. Automatically compares the Gross Income Based System (GIBS) and Allowance Based System (ABS) and uses whichever gives the lower tax.Gibraltar Self-Employed Net Income Calculator →Calculate sole trader net income in Gibraltar after income tax (GIBS or ABS) and self-employed social insurance contributions, with allowance stacking explained.Gibraltar: Employed vs Self-Employed Comparison →Compare take-home pay as a Gibraltar PAYE employee versus a self-employed sole trader at the same income, including GIBS/ABS tax and social insurance differences.
Contract vs. permanent comparisons
Gibraltar Salary to Day Rate Calculator →Convert an annual Gibraltar salary into an equivalent contractor day rate, based on matching net income under the GIBS/ABS tax system.Gibraltar Day Rate to Salary Calculator →Convert a Gibraltar contractor day rate into the equivalent permanent salary, matching net income under the GIBS/ABS system.Gibraltar Contract Comparison Calculator →Compare two Gibraltar contracting offers side by side on net income, after GIBS/ABS tax and social insurance.Gibraltar Salary Offer Comparison Calculator →Compare two Gibraltar job offers side by side on net take-home pay, using the lower of GIBS or ABS tax for each.
Contractor payroll & dividend tax
Gibraltar Social Insurance Contributions Calculator →Calculate Gibraltar social insurance contributions for employees, employers and the self-employed, including the current weekly minimum and maximum amounts.Gibraltar Dividend Tax Calculator →Gibraltar dividends are almost always tax-free on a territorial basis. See when tax can still apply and estimate any liability with this calculator.
Small business & VAT
Contractor financial planning
Gibraltar Contractor Mortgage Affordability Calculator →Estimate how much you could borrow for a Gibraltar mortgage as a contractor or self-employed applicant, based on net income.Gibraltar Mortgage Payment Calculator →Calculate Gibraltar mortgage repayments and see the impact on your monthly net income after GIBS/ABS tax.Gibraltar Pension Contribution Calculator →Work out tax relief on contributions to a Gibraltar approved occupational or personal pension scheme, including the GIBS relief cap.Gibraltar Life Insurance Needs Calculator →Work out how much life insurance cover you need in Gibraltar based on income, debts and dependants.Gibraltar Contractor Financial Profile →Get a full financial snapshot as a Gibraltar contractor: net income, social insurance, pension and mortgage capacity in one place.Gibraltar Employee Financial Profile →Get a full financial snapshot as a Gibraltar PAYE employee: net salary, social insurance, pension and mortgage capacity in one place.
Target income & budget impact
Gibraltar Target Day Rate Calculator →Work out the day rate you need to charge in Gibraltar to reach a target net income, under GIBS or ABS.Gibraltar Target Salary Calculator →Find the gross Gibraltar salary you need to hit a target take-home amount, using the lower of GIBS or ABS tax.Gibraltar Budget Tax Impact Calculator →See how each year's June/July Gibraltar Budget affects your net income, updated after every budget speech.Gibraltar Late Payment Interest Calculator →Calculate statutory and contractual late payment interest on overdue Gibraltar invoices and judgment debts.
