Forecast take-home from invoices with clear fee and payout breakdowns.
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Tools hub
Run the numbers before you run the workflow.
Model payout fees, check contractor classification, generate invoices, and stress-test FX exposure. 39 tools, zero signup.
39 toolsNo signupBrowser-only
Freelance rate
USD / hr
Target take-home$96k
Billable hrs / wk28
Rate$85/hr
Invoice generator
PDF
INV-0419May 06
Design sprint$2,400
Async review$640
Total$3,040
Visa planner
183 days
US64d
PT78d
JP41d
Payload builder
POST /v1
POST /v1/payouts
{
"amount": 14200,
"rail": "ach_same_day"
}
Full catalog
Find the right tool without hunting
39 free tools across 6 categories. Filter by what you need, search by keyword, open in a new tab. No signup, no paywall.
Calculators
10 toolsModel fees, exclusions, and reporting thresholds before you file or invoice.
Estimate the hourly rate you need based on take-home goals, expenses, and your tax set-aside.
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Compare take-home estimates as an employee vs contractor with your own tax-rate assumptions.
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Compare simplified and regular-method home office deduction estimates before you organize records.
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Estimate mileage deductions using standard mileage rates by year and purpose.
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Compare provider fee assumptions (percent, fixed fee, FX markup) and estimate net received.
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Estimate whether reverse charge VAT is likely for EU cross-border B2B services and copy invoice text.
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Validate EU VAT IDs against VIES and keep evidence for invoices.
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Estimate how much foreign earned income you can exclude for US taxes.
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Check if your foreign accounts cross the $10,000 reporting threshold.
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Generators
5 toolsCreate practical paperwork and invoicing assets with guided fields.
Build a tax-ready B2B invoice with guided fields and exports.
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Prepare a W-9 or W-8BEN review draft with current IRS source links.
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Generate a mutual or one-way NDA template and download a PDF.
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Generate a basic freelance services agreement template and download a PDF.
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Generate a statement of work template with deliverables and timeline.
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Travel tools
3 toolsOrganize visa research, plan trip dates, and stay connected abroad.
Compare the official visa answers you collect for each destination.
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Count itinerary days and spot overlapping stays.
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Track days in countries with configurable thresholds and a Schengen 90/180 view.
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Operational intelligence
10 toolsModel payout operations, revenue flows, and automation ROI for finance teams.
Estimate manual AP costs, automation savings, and payback period.
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Rank payment rails by cost, speed, and failure risk for your corridor.
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Design multi-party payout splits with fees, withholding, and net payouts.
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Identify root causes and resolution steps for failed payouts.
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Quantify annual leakage across churn, failed payments, and refunds.
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Plan commission structures and annual payout liability.
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Calculate net FX exposure and hedging guidance across currencies.
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Score payout operations maturity across five dimensions.
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Diagnose likely reconciliation error patterns and fixes.
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Model pricing scenarios and compare MRR impact.
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Global compliance
9 toolsCheck classification, withholding, and payment compliance requirements across jurisdictions.
Assess misclassification risk across US, UK, and EU rules.
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Score vendors across KYC, tax, banking, and sanctions checks.
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Build a source-backed treaty research brief for tax and finance review.
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Compare hiring budgets with assumptions your team controls.
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Validate IBAN, ACH, BSB, IFSC, CLABE, and UK formats.
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Organize the attention level and next step for each market review.
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Build sourced payroll reminders from dates your team has verified.
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Build a dynamic compliance checklist for cross-border payments.
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Check a seller export against the OECD DPI XML Schema and chase the gaps by seller.
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Developer tools
2 toolsGenerate payloads, simulate webhooks, and debug integrations faster.
Build valid JSON payloads with required-field validation.
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Send test webhook events and inspect endpoint responses.
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What these are for
Where a free tool stops being enough
Everything in this catalog produces an estimate, a draft or a record, and the distinction matters more than it sounds. An estimate is arithmetic over inputs you supplied, so it is exactly as good as those inputs and moves when they move. A draft is a document you still have to check against the official form, since none of these pages files anything with anyone. A record is a dated note of what you checked and where you read it, which is the output that holds its value longest, because the rule behind it will change and the date is what tells you when to look again.
What none of them can do is make a determination. Whether a worker is an employee, whether a treaty rate applies to a specific payment, whether a country treats you as resident this year: those are judgments made against facts and evidence, and a form with six fields cannot see the facts. The tools that touch those questions are built as worksheets for that reason. They organize what a reviewer needs and stop short of the answer, which is less satisfying on first use and considerably better than a confident number nobody can stand behind.
The constants inside them decay, which is why every tool page prints the date its explanation was last checked. Rates get reset mid-year: the IRS moved the 2026 business mileage rate from 72.5 cents to 76 cents on 1 July, and a calculator still running the January figure looks exactly like one running the current one. So treat any number here as correct on the date shown, and check it against the authority before it lands on a filing, in a contract, or in front of a client. Most of these tools compute entirely in your browser; the two that call a service, the VAT number lookup and the webhook simulator, send what you enter through a Gruv route to reach it, and each says so on its own page.
Keep going
Related resources across Gruv
Developer resources
Generic payload and webhook tools plus integration patterns.
Solutions
Workflow pages for marketplaces, creator platforms, agencies, and affiliates.
Integrations
Review connection patterns and illustrative system examples before scoping an integration.
Payouts
Plan payout records, approvals, exceptions, and finance reconciliation.
Pricing
Transparent per-payee pricing with enterprise volume tiers.
How it works
From invoice to payout in four steps.
Frequently Asked Questions
Are these tools free?+
Yes. Every tool on this page is free and requires no account.
Do I need to be a Gruv customer?+
No. Every tool works standalone. If you later adopt Gruv, the same concepts (invoicing, compliance gates, payouts, reconciliation) plug directly into a live workflow.
Is my data private?+
Most tools run entirely in your browser and store drafts on your device. When a tool calls an external service (for example, VAT validation via VIES), it says so on the page.
How do these tools connect to the Gruv platform?+
They answer the same questions Gruv automates: pricing, compliance, residency, documentation, and payout planning. Use a tool to get the answer, then use Gruv to operationalize it.
Is this tax, legal, or financial advice?+
No. Use the tools for planning and documentation hygiene. Rules vary by jurisdiction, income, entity type, and your specific facts. For binding guidance, consult a qualified professional.
Do you track my calculator inputs?+
We do not send raw amounts or personal identifiers to analytics. Where we track usage at all, we record low-cardinality events like page views and CTA clicks.
Ready to turn answers into workflows?
Gruv connects the same pricing, compliance, and payout logic behind these tools into a single operating layer. Talk to us, or keep using the tools for free.
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