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Site & safety46 of 46

Risk assessments, method statements, SWMS and job hazard analyses, for the UK, US, Australia and Canada. Finished documents, no empty boxes left for you.

Structure & materials35 of 35

Steel, timber, concrete, brickwork, boards, groundworks and roofs. Section data, indicative sizing, quantities and the reference tables you normally go hunting for.

Home & property32 of 32

See what it would look like before you commit, then work out what it takes. Upload a photo of your own wall, drive or house and try things on it.

Invoices & docs20 of 20

Invoices, quotes, receipts and the rest of the paperwork, generated properly. No account, no watermark, and Download is the only button.

Money & tax39 of 39

Wages, mortgages, tax and the everyday sums. What you actually take home, what it actually costs, and what you actually owe.

People & hours46 of 46

Rotas, rosters and schedules, holiday and PTO, timesheets and staff paperwork. The admin that eats a Sunday evening, done in ten minutes.

Business & marketing50 of 50

Starting up, getting found and keeping the admin straight. Everything downloadable, nothing paywalled at the last step.

PDF & documents27 of 27

Merge, split, crop, sign, number and compress. Everything runs in your browser, so the contract you open here never reaches a server.

Image tools24 of 24

Convert, resize, compress, crop and adjust. All of it on your own machine, with no upload, no account and no watermark on anything.

Text & dates20 of 20

Word counts, case, days between dates, working days and ages. The ten-second look-ups, with no account and nothing stored.

Random & party27 of 27

Secret Santa, draws, brackets, sweepstakes, printables and party quantities. The bit that is just for fun, done properly.

Training & tests21 of 21

Practice tests for the cards and licences that decide whether you can work. Every answer cites the guidance it came from, not a forum.

All tools, A to Z

Every tool on the site in one list, and the guides that go with them.

48-hour working time check

And why a week off raises your average.

52-week holiday pay

Averages variable pay over the reference period, skipping unpaid weeks.

ABN, ACN and TFN: which you need

Which identifier your structure needs, and why a company has all three.

Accident report

Incident record with the RIDDOR reportability check built in.

Ad copy character counter

Checks headlines and body against the real Google, Meta, X and LinkedIn limits.

Add a watermark

Stamp your own mark on. We never add ours.

Add page numbers

Number a PDF, skipping the cover if it has one.

Add text to a photo

Put a caption, a label or a date on an image.

Advent calendar

Twenty four of your own ideas, with the numbers scattered so nobody counts along.

Exact age in years, months and days on any date.

Agenda & minutes

Agenda before, minutes after, both printable.

Aggregate & bulk bags

Tonnes and bulk bags, with the compaction nobody allows for.

Am I covered by FMLA

The three tests for unpaid protected leave, and the 75 mile one people miss.

Am I eligible for COBRA

The 20 employee threshold, the qualifying events, and how long each runs.

Annual leave calculator

Four weeks under the NES, and why that beats 5.6 in Britain.

Appliance running cost

Your appliance and your rate, not the nameplate watts times hours.

ASIC company deadlines

Your annual review date, when the fee falls due, and the late fee ladder.

Aspect ratio calculator

Work out the other dimension at 16:9, 4:5 or any ratio.

Australian Privacy Principles policy

Built round the 13 APPs, not a relabelled GDPR policy.

Newer, spreading fast, supported by almost nothing.

Bank holiday planner

Which bank holidays fall in your leave year, by nation.

Barcode generator

EAN-13, UPC, Code 128 and ITF-14, with the check digit worked out for you.

Bates numbering

Continuous numbering across a merged set, with the map exported.

Proper UK 90-ball strips, US 75-ball cards, or your own words.

Black and white photo

Convert a photo to greyscale, properly weighted.

Blur a face or number plate

Baked into the pixels, not layered on top, and the location data goes with it.

Board foot calculator

Board feet from the nominal size, and what the piece actually measures.

Boiler size calculator

The size your hot water needs, then the test that decides if it short cycles.

Bradford factor

The score, the curve behind it, and what it does to disability and pregnancy absence.

Break-even calculator

Five times your overheads, not one times, and here is why.

Brick & block calculator

Openings off, and mortar out of the same sum as the bricks.

Brick tie spacing

Two code limits apply at once, and the looser one is not the answer.

Brighten a photo

Fix a dark or flat photo without opening anything.

Enter costs at the frequency you actually pay them. A month is 4.333 weeks, not 4.

Business name generator

Names checked against the Companies House naming rules.

Business plan builder

Section by section, weighted for whoever is actually reading it, exported whole.

Whether a piece of kit or a campaign paid for itself.

Car finance comparison

PCP, HP and a personal loan on the same car, balloon included.

Car theory mock test

Fifty questions in 57 minutes at the real 43 pass mark, and how many repeat.

Strip-out is demolition more often than it sounds. Ticked, three rows in.

Carpet & underlay

A cutting plan off the roll, not a floor area. 4m, 5m, 12ft and 15ft.

Upper, lower, title, sentence, camel or snake case in one click.

Cash flow forecast

Twelve months in and out, exported to PDF or CSV. No trial, no login.

Certificate maker

One per name from a list, for a quiz night, a class or a league.

Checklist maker

Build a checklist, print it, send it as a link with no account.

CIS deduction calculator

Labour, materials, plant and fuel split properly, with the two traps shown.

CIS monthly run

Every statement and the return figures in one go, on the right tax month.

Flip once or a million times, and see what a fair coin actually looks like.

Turn the colour up, or take it all the way out.

Colour converter & palette

HEX, RGB, HSL and CMYK both ways, plus a palette counted out of your own image.

Companies House deadlines

Incorporation date in, every deadline out, plus the penalty you have already run up.

Companies House ID verification

Director, PSC or both. Your own 14-day window, which is not the date everybody quotes.

Company name rules checker

Not is it taken. Is it allowed, and how the same-as test really reads it.

Company tax rate

25% or 30%, and your profit does not decide which.

Compare two PDFs

Every wording change between two versions, side by side.

Compound interest & savings goal

What a pot grows to, or what you need to save monthly to hit a target.

Compress an image

Say the size you need. It finds the best quality that fits.

Shrink a PDF enough to email, by re-encoding the images that make it big.

Concrete calculator

Slab, footing or post hole, and whether to buy bags or order ready-mix.

Concrete mix reference

What to order, and what gets ordered by mistake.

Concreting SWMS

Striking comes from tested strength, not from Thursday. Ticked, rows in.

Construction phase plan

Required on every job, including the small ones. In HSE’s own structure.

Continuous service checker

Every qualifying date from one start date, including the 2027 change.

Contrast checker

Whether your text passes WCAG AA and AAA, and why blue fails when it looks fine.

Cookie consent banner

A copy-paste banner that actually blocks the scripts, with no pageview meter on it.

Cookie policy generator

A real cookie table with the PECR tier against each one, not a template.

Corporation tax

What the company owes, and the four markets do it four ways.

COSHH assessment

Built round the reg 7 hierarchy, so it catches the mask-only assessment.

Split into what you lose if it falls through and what you only pay if it completes.

Council tax bands

What each band costs on your council's Band D charge, and what one band down is worth.

Countdown creator

A shareable countdown that a clock change cannot put an hour out.

Court fee & track calculator

The fee, the track, and whether losing could cost you the other side's bill.

Credit card payoff

How long minimum payments really take, versus paying more.

Correct or cancel an invoice you have already sent, properly referenced.

Crop to the ratio the platform wants, before it crops for you.

Trim the margins or the scanner border off every page.

CSCS demolition mock test

Sequence, surveys, services, and the structure coming down in a planned order.

CSCS facilities maintenance mock test

Someone else’s live building, usually alone, and usually alongside the public.

CSCS highway works mock test

Signing, lighting and guarding, and working on foot inside live traffic.

CSCS HVAC and ductwork mock test

Refrigerant that pools at floor level, cooling towers, and life above the ceiling.

CSCS lifts and escalators mock test

Isolation, shaft access, and the public on the other side of the door.

A full 50 question HS&E test at the real pass mark, every answer sourced.

CSCS pipefitting and welding mock test

The fume reclassification most of the trade learned late, and why it changed.

CSCS plumbing and heating mock test

Gas, legionella, scalding, and stored pressure in occupied homes.

CSCS supervisor mock test

The five core areas, plus what you do when you find somebody working unsafely.

CSCS tunnelling mock test

Atmosphere, escape and ground support, where every ordinary hazard changes category.

CSCS work at height mock test

The hierarchy of control, and why there is no two metre rule.

Customer credit checklist

What to look up on the free public registers before you give a new customer terms.

Date add & subtract

What date is 30, 60 or 90 days from a date, forwards or backwards.

Day rate calculator

You are not selling 261 days, you are selling about 190.

Days between dates

How many days, weeks or months between any two dates.

Debt payoff planner

Orders your debts by balance or by rate and shows which clears faster.

Decking calculator

With the gap counted, which is why decks get over-ordered.

Delete PDF pages

Take pages out and keep everything else.

What went out, when, and who signed for it.

Demolition SWMS

Five categories ticked, and why a management survey is the wrong survey.

Any notation, plus the exact odds of every total. Two dice are not a flat 2 to 12.

Discount & price rise impact

How much more you must sell to survive that discount, and how many you can lose.

Salary and dividend split, and what each one costs you.

Do I need to file a BOI report

Beneficial ownership reporting, and why most US companies no longer have to.

Do I need to send a 1099

Whether a contractor payment needs a 1099-NEC, and by when.

Draw on an image

Arrows, boxes and circles for pointing something out.

Drawing revision compare

Overlay two revisions and see exactly what moved.

Driver CPC part 1 mock

A hundred questions in 1 hour 55 at the real 85 pass mark, hours and rest included.

Driver CPC part 2 mock

Seven case studies, 50 questions in 1 hour 15 at the real 40 pass mark.

Driveway finishes

Pavers, herringbone, flags, gravel or asphalt on your own drive, at the right scale.

Drywall calculator

Sheets, screws at the code spacing, and the finish level nobody explains.

EI maternity and parental benefits

The 67 week break even nobody publishes, and why you cannot undo the choice.

Electrical SWMS

Ticked for electrical work, plus the plant category electricians never tick.

Email signature generator

HTML signature that pastes cleanly into Gmail and Outlook. No tracking pixel.

Employers' liability checker

Whether the cover is compulsory, and why two married directors are not exempt.

Employment contract

A written statement of particulars that meets the legal minimum.

Energy bill estimator

Split into the part that using less changes, and the part it does not.

Enlarge an image

Make a small picture bigger without it going soft.

Estimate generator

A ballpark written so it cannot be read as a fixed price.

EV charging cost

Home off-peak against a public rapid, against petrol, and against the mileage rate.

Excavation SWMS

Locate, prove, then dig. Ticked for trenches, plant and buried services.

Itemised claim form with receipts totalled.

Extract PDF pages

Pull the pages you want into a new document.

Fall clearance calculator

A six foot lanyard needs seventeen and a half feet underneath it.

Feedback form builder

A printable feedback form with a QR pointing at your own online form.

Closeboard, picket, slatted or composite on your own boundary, at real dimensions.

Fencing calculator

The extra post nobody remembers, and posts far longer than the fence is tall.

Bulk replace with a preview of every line it changes, plain or regex.

Make a filled form permanent so nobody can change it.

The field level hazard assessment filled in at the start of a task, not the project.

Flooring & laminate packs

Packs, underlay and trim, with the right waste for diagonal and herringbone.

FMLA calculator

The 50 within 75 miles test, and how many of the twelve weeks are left.

Form I-9 deadlines

Section 1 by the first day, Section 2 within three business days, from the hire date.

Front door styles

Panel arrangement, colour and ironmongery against a photo of your own house.

Converts a team of part-timers into full-time equivalents.

Garage door styles

Up and over, roller, sectional or side hinged, and the swing-out space each needs.

Gates on your drive

Drop gate styles onto a photo of your own driveway.

What an EIN is for, who needs one, and why nobody should ever pay for it.

Get the images out of a PDF

Pull every photo, logo and stamp out as its own file.

Who is buying what, with a separate link that hides it from the recipient.

Gravel calculator

Cubic yards and tons, with the compaction only where it happens.

Gross vs net margin

The two margins move at completely different speeds, and only one of them is health.

Add or remove GST, and in Canada the rate is your customers, not yours.

GST turnover tracker

Both tests against the $75,000 threshold, and why one is not the answer.

Hardcore & sub-base depth

How deep, how much, and in how many layers.

HAVS calculator

A(8) and points, with the trigger time nobody actually measures.

Hazard assessment

No province names a form. What they want is written, dated, workers involved.

Hazard perception practice

Ten animated scenes scored the real way, and why an early click is worth nothing.

Heat loss calculator

Fabric, ventilation and bridging. Ventilation is often a third and nobody counts it.

iPhone photos that Windows refuses to open, fixed in bulk.

High risk construction work

Nineteen in WA, eighteen in the model regs. Every one, in the regulation’s words.

HMRC registration deadlines

Self-employed, employer or Corporation Tax. Three clocks, three traps, one date each.

Holiday entitlement

How many days off someone is legally owed, on any working pattern.

Holiday pay on leaving

Untaken days owed in the final payslip, or days overtaken.

Home contents inventory

Replacement cost room by room, and what average does to every claim if you are short.

Hourly to salary

Convert both ways, with the paid holiday every other converter leaves out.

Hours between two times

How long between two times, including shifts that run past midnight.

How long to keep US business records

The IRS periods, and the one that runs from when you filed rather than the year.

Disciplinary invites, warnings, grievance responses and probation letters.

Risers, refrigerant and plant that starts itself. Ticked, three rows in.

Named presets for the places that reject your upload.

Image to base64

Turn an image into a data URI without uploading it anywhere.

Image to text (OCR)

Pull the words out of a photo or a screenshot.

Phone photos of documents into one tidy PDF.

Inflation calculator

CPI and RPI side by side, because the two official answers are a third apart.

Insulation & U-value

With the timber bridging that makes a stud wall a fifth worse than the sum says.

Insulation R-value

What the wall delivers once the framing is counted, not what the batt says.

Invoice due date

Net 30 and Net 30 EOM are a month apart, and both get called thirty day terms.

Invoice generator

A proper invoice, downloaded straight away. Download is the only button.

Irregular hours accrual

The 12.07% accrual for zero-hours and casual staff, per pay period.

Job costing & overhead recovery

Whether the job made money, with the contingency line kept visible.

Job description

Build a description from a library of real roles and duties.

Job hazard analysis

OSHA requires no JHA, but it does require the PPE certification. Both here.

Joist span table & count

How far it reaches, how many you need, and what the pile weighs.

Late payment clause

In the UK a clause is optional, and a badly set one is a pay cut you wrote yourself.

Late payment demand letter

Statutory interest at the rate that applies, and the fixed sum nobody claims.

Late payment interest

What you are actually owed, and why your own clause may be void.

Letter before claim

Follows the Pre-Action Protocol, with the annexes free templates leave out.

Letterhead generator

A letterhead carrying the company number and registered office the law requires.

Sling tension and utilisation worked out, not left as a box to fill in.

Sort, dedupe, number and trim a list, in the order that gets it right.

A text or monogram logo, SVG download, no watermark, no account.

LOLER examination dates

Six months or twelve, what resets it, and how long each report has to be kept.

Lorem ipsum generator

Placeholder by paragraphs, words or an exact character count.

Lottery number picker

Lines for all four UK draws, with the odds computed rather than quoted.

Make a scan searchable

Reads the text off a scanned PDF so you can search and copy it.

Manual handling limits

There is no 25kg rule. All twenty boxes, and smallest governs.

Markdown editor

Live preview, an outline, and conversion both ways with HTML.

Markup vs margin

The one everybody gets backwards, and what a discount really costs.

Maternity pay & leave planner

Every qualifying date, the uncapped six weeks and the thirteen unpaid ones.

Join PDFs into one, in any order, without uploading them anywhere.

Metal weight calculator

A whole cutting list, not one bar.

Method statement

Sequence of works written out properly, without the risk assessment.

What you can claim, and the relief you actually get on a shortfall.

Minimum job charge

The real cost of turning up, and the job value below which you lose money.

Minutes to decimal hours

Turns 7 hours 38 minutes into 7.63 for payroll, with a printable chart.

Mortar, sand & cement

What to order, and what to actually put in the mixer.

Mortgage overpayment

What an extra £100 a month actually takes off the term.

Mortgage repayment

Monthly payment, total interest, and the full schedule.

Motorcycle theory mock test

The same 57 minutes as the car test, with a guaranteed rider-specific share.

Moving house checklist

Sorted by what cannot wait, and it flags the one that carries a £1,000 fine.

Short clip in, GIF out, no watermark on it.

Muck away & bulking

The pile is bigger than the hole, and nobody else mentions it.

Mutual NDA generator

Both directions, all the carve-outs, signable at the end. No trial behind it.

My shift calendar

Your pattern on real dates, and whether it drifts against the week.

Noise exposure calculator

Daily LEP,d and peak, and why ear defenders do not count towards it.

Notching & drilling limits

The zones in millimetres, not proportions.

The exact last day, and whether notice off sick has to be paid in full.

Notifiable incident check, Australia

Whether it has to be notified, and which of the eight regulators it goes to.

Number to words

For a cheque or a contract, in British or American usage.

O&M pack builder

Handover pack with sections, bookmarks and a hyperlinked index.

A job offer, conditional on references, right to work or DBS.

Office sweepstake

A draw you can reproduce, with the leftover runners handled honestly.

Saves as you type, keeps earlier versions, and recovers a note you deleted.

Ontario awareness training and WHMIS

The worker and supervisor programmes under O. Reg. 297/13, and the card that expires.

Ontario notice of project

The $50,000 line, and the copy that has to go on the wall.

Ontario working at heights

Three years from the day you passed, and the trigger is the kit, not the height.

Merge, split, reorder, rotate and delete pages on one screen.

OSHA 10 practice test

Focus Four weighted the way OSHA weights it, and why there is no official pass mark.

OSHA 30 practice test

The supervisor course, not a longer OSHA 10: leadership, confined spaces, cranes.

OSHA noise exposure calculator

Percent dose and 8 hour TWA on the 5 dB exchange rate, not the British 3 dB.

Time and a half, double time and night rates on top of basic hours.

Try colours on a photo of your own wall, and get the area for the paint calculator.

Paint calculator

Litres and tins for walls, ceiling and woodwork, coats included.

The contaminated atmosphere is the one you made. Ticked, three rows in.

Parental Leave Pay calculator

The rate follows the year you take the days, not the year of the birth.

Party quantities

How much food and drink for how many, and the five things people run out of.

Password generator

Passwords, passphrases and PINs from the browser cryptographic random source.

Password protect a PDF

Put a real AES-256 password on it, on your own machine.

Paternity & shared parental pay

Day one leave, but not day one pay, and what is left to share.

Paving slabs & pavers

Slabs, sand and cement for a patio or path.

Pay calculator (Australia)

Tax, Medicare levy, HELP and super. Salary against package, both ways.

Pay rise calculator

What a percentage rise is worth after tax, not before.

Paycheck calculator

What lands in the check. All 50 states, FICA, 401(k) and W-4 line 4c.

Payment notice dates

Every deadline off one valuation date, and what missing one costs.

Payslip explainer

What every line on your payslip actually means, and whether it looks right.

Every table out as a spreadsheet, with the figures as real numbers.

Every page as an image, at whatever resolution you need.

Get the words out, and find out why you could not.

Extract the text and layout into an editable document.

Pension contribution

What it costs you now against what it adds later.

Percentage calculator

Five boxes answering at once, including the reverse: 20% off at £80 was £100, not £96.

Hot works, confined space, isolation. With the field they all leave out.

Permit-required confined space

Two tests of different shapes, and the two ways out are opposites.

Crop, draw, add text and adjust, all in the browser.

PIPEDA privacy policy

The ten fair information principles, with Quebec, Alberta and BC named separately.

Folded name cards with the top half printed upside down, as it must be.

Plasterboard & stud wall

Sheets, weight, and the joint length nobody works out.

1.5m is the SWMS trigger, not the shoring depth. Ticked, three rows in.

Price list & menu

A tidy printable price list or menu, ready to pair with a QR code.

Print a drawing to scale

Tells you a 1:50 A1 becomes 1:141 on A4, before you scale off it.

Privacy policy generator

A UK GDPR privacy policy downloaded in full, free, with no paywall at the end.

Pro rata holiday

Holiday for part-timers, mid-year starters and mid-year leavers.

Pro rata salary & holiday

Part-time pay, holiday and the bank holidays that land unevenly.

Who actually goes on your register, including the ones no share count will find.

Open a PSD with its layers, blend modes and masks intact, and save one back out.

What your policy actually gives you, in every unit it might be written in.

Punch list builder

The list that gets attached to a certificate of substantial completion.

Raise a numbered PO for a supplier and send it as a PDF.

QR code generator

A QR for a link, WiFi, contact card or menu that never expires and needs no account.

A sheet per round so teams can swap and mark as you go.

Quote generator

A professional quote with a validity date, before you ever raise an invoice.

Radiator output at your flow temperature

The box says ΔT50. A heat pump gets a third of that, and no BTU calculator says so.

Ticket counts, reserves, and a published record so nobody can say it was fixed.

Numbered cloakroom tickets with a stub, and no chance of a duplicate number.

Railings on your wall

Photo of your wall, try railing styles on it, see it before you buy.

Build a finished risk assessment and method statement, signed and ready.

Random name picker

Draw one or many, and the difference between pressing pick-one twice and drawing two.

Random number generator

One or a thousand, with or without repeats, and a million draws to prove it is flat.

Pair people up week after week with nobody getting the same partner twice.

Rebar weight & schedule

A list you can actually send.

Receipt generator

Issue a receipt for a payment your business has received.

Record retention calculator

The date you can shred it, by business type and record. Not one number.

Actually deletes the text, then proves it is gone.

Reckoned backwards a year at a time, with the age band working shown.

Reference letter

A factual reference that says what it can and nothing it should not.

Remittance advice

Tell a supplier exactly which invoices your payment covers.

Remortgage comparison

Whether switching beats staying, once fees and early repayment charges are in.

Remove line breaks

Unwrap text from a PDF, keeping the paragraphs and repairing split words.

Render & plaster

Coat by coat, with the strength rule checked.

Render or stucco on your own house, before the scaffold goes up. No brand codes.

Rent affordability & split

Passing the credit check and affording it are different tests. This runs both.

Repair a damaged PDF

Rebuilds a file that will not open, when there is enough left to rebuild.

Resignation letter

A clean, correct resignation letter with the right notice and last day.

Rest breaks checker

The week, not the shift.

Retention tracker

What is held, and the second half that quietly never comes back.

Reverse charge invoice

Whether it applies, and wording that satisfies HMRC.

Right to work check dates

Whether the check was in time to be worth anything, and when copies can go.

Risk assessment

Standalone assessment for one task, hazards and controls filled in.

Roof area & tiles

True slope area from plan, and what it costs to skip.

Roof pitch & rafter length

Every form of the pitch at once, plus the hip that is always short.

Ticked for the fall and the asbestos, plus the limb about the public below.

Room area & volume

Measure once. Openings and sloped ceilings included, and every other tool uses it.

Rota cost & wage checker

What it really costs, and who is under minimum because of time nobody wrote down.

Turn pages the right way up and save them that way.

Round robin fixtures

Everybody plays everybody in the fewest rounds, with the byes spread properly.

What the election really saves, after the 92.35% everyone forgets.

Salary sacrifice

What a pound in the pension actually costs your take-home. 38p in the taper band.

Scaffold inspection record

The 7 day rule, what restarts it, and all eight things Schedule 7 wants on the report.

Scaffolding SWMS

The one scaffolders leave off is overhead power. Ticked, three rows in.

Your own list, shuffled per sheet so no two teams follow the same trail.

Darts, cards or a tally, with every checkout worked out from the board.

Keep-together and keep-apart rules, and an honest no when they cannot both hold.

Draw names and send private reveal links. No emails collected.

Section properties

Every UK UB, UC and PFC, and the depth the designation does not give you.

Self assessment estimate

Rough bill from your figures, including the payments on account.

Sepia & vintage

Warm an image up, or age it on purpose.

Sharpen an image

Bring back the edges on a slightly soft photo.

Shed base & slabs

Base inside the footprint so the drip line misses it, plus the dig and materials.

Shift pattern generator

4-on-4-off, 2-2-3, DuPont or continental, checked against the night work limits.

A properly random order, and proof that the one-liner everybody uses is not one.

Fill the fields, draw the signature, flatten it.

Daily record with weather, labour, plant and delays.

Site induction record

Induction checklist and signature sheet for anyone new on site.

Skip size calculator

Including the weight limit that actually decides it.

Skirting & baseboard

A cutting plan out of real lengths. 3.6m and 4.2m, or 8ft and 12ft.

Slogan generator

Straplines built from your own words, with the claims you would have to prove flagged.

Small supplier threshold

Both $30,000 tests, and crossing in one quarter costs more than four.

Snag list builder

Photos and notes into a numbered snag report PDF.

A unit you use is worth several times one you export. That is the free lever.

Sole trader vs limited

Same profit, both structures, after everything.

Pull pages out, or cut one document into several.

SSIP readiness check

The sixteen core criteria behind CHAS, SMAS and the rest. Not twelve.

Staff handbook builder

Pick your policies and download a complete handbook.

Staff rota maker

Build next week's rota, print or send it. No signup, no per-user fee.

Staircase calculator

Rise, going and pitch, including the combination the table quietly forbids.

England, Wales and Scotland, including the second home surcharge.

Statement of account

Every outstanding invoice on one page with the ageing.

Statutory sick pay

On the rules that changed in April 2026.

Steel erection SWMS

A part-erected frame is temporary support. Ticked for falls, fume, plant.

Steel grade reference

What the suffix actually means, and why it is not strength.

Strip foundation

Width from the ground and the load, and the thickness rule nobody applies.

Remove the author, software and history before you send it.

Stud wall calculator

Including the stud everyone else misses.

Vector to raster at whatever size you actually need.

All 18 high risk categories, and the monitoring field the regulation asks for.

SWMS, JHA, method statement: what each country needs

Which document your market actually requires, and which one it only expects.

Symbol & emoji library

Copy anything you cannot type, with the lookalike characters named.

Take 5 prestart check

Stop, look, assess, manage, proceed, with the register that makes it auditable.

Gross to net. Tax, NI, pension by all three methods, every student loan plan.

Tax code checker

What your code means and whether you are on the wrong one.

Tax code, W-4, TD1: what your country actually uses

Who tells your employer what to withhold, and what goes wrong in each system.

Tax return calculator (Australia)

Your refund or bill, with the study loan nobody withheld for.

The Canadian one, and there are two of them: federal and provincial.

Split a list into fair teams and share the result as a link.

Team leave tracker

Who is off when across the whole team, saved locally, no account.

Term-time only pay

Pay and holiday for school staff who only work term time.

Terms & conditions builder

Website and ecommerce terms with UK consumer rights wording.

Testimonial card

Turn a real customer review into a shareable image, with the 2024 rules explained.

See which words changed, and what the invisible characters are.

TFN declaration checker

Which box to tick, and why question 9 is not a choice.

Open a TIFF, including a multi-page scan. No browser can, and nothing is uploaded.

Tile calculator

Tiles for a wall or floor, plus the grout and adhesive.

Dry cutting is the whole hazard. Ticked for silica, three rows to edit.

Timber grade reference

C16 against C24, and why 50% stronger buys 11% more span.

Timber quantity & cut list

With the saw cut allowed for, which nobody else does.

Time zone meeting planner

A slot that works across London, New York and Sydney, with the date change flagged.

Timesheet calculator

Week's start and finish times in, paid hours out, breaks and overtime handled.

Time off in lieu earned, taken and still owed.

Toolbox talk generator

Built round the register, because that is the part that counts.

Topsoil, compost & bark

Volume first, then weight. A tonne of soil and a tonne of bark are different amounts.

Tournament bracket

Knockout draw with byes on the top seeds, and never two in the same tie.

Trading disclosure generator

The exact wording the law wants, and everywhere it has to appear.

Trading disclosure, Australia

Where your ABN, ACN and registered business name actually have to appear.

True cost of an employee

What a hire really costs, and why adding 20% is wrong twice over.

Turf, sod & grass seed

Rolls of turf or grams of seed for a lawn, any shape.

Turnover & absence rate

Turnover, absence, and whether the churn is concentrated or spread.

Umbrella vs limited

Side by side on the same day rate, after everything.

Unix timestamp converter

Epoch to a readable date and back, with the seconds-or-milliseconds trap caught.

Take off a password you know, or restrictions that need none.

UTM campaign builder

Tag a link so your analytics tells you where the traffic came from.

Vacation pay calculator

4, 6 or 8 per cent of everything you earned, overtime included.

Van payload checker

With the axle check that catches loads which look legal on the gross figure.

Add or remove VAT at any rate, with the reverse charge case handled.

VAT threshold tracker

Rolling twelve month turnover against the registration threshold.

W-4 withholding checker

Step 2 is where the money goes wrong, and most guides get it backwards.

Wall tie spacing

Count and length, including the edge ties an area take-off misses.

Wallpaper calculator

The pattern repeat done properly, offset matches included. It costs whole rolls.

Watermark a PDF

Stamp DRAFT or your own name across every page.

The format everything downloads as and nothing accepts.

Week number calculator

Which ISO week a date falls in, plus a full year calendar.

What to tell your engineer

Get the brief right and the fee follows.

Spin once for an answer, or a million times to prove it is fair.

White Card practice test

The four elements of CPCWHS1001, and the parts no website can practise for you.

WHMIS safety data sheet checker

All sixteen sections in order, and the 90 day rule for updating one.

WHS management plan

The $250,000 line, and why you are the principal contractor already.

Wide flange beam sizes

Every W, HP, S, C and MC shape, and why the number is not the depth.

Word & character counter

Live word, character, sentence and reading-time count as you type.

Which words and phrases you have used most, and how often.

Word search maker

Your own words, an answer sheet, and any word that would not fit reported.

Working days calculator

Business days between dates with the right bank holidays for each UK nation.

Guides and explainers

Pages about what a term means or how a job is done, rather than tools you fill in. Each one sits alongside the tool it belongs to.

Am I an employee or self-employed?

UK law has three tiers, not two, and the middle one carries paid holiday and minimum wage.

Can I claim it as a business expense?

Most costs are part business and part personal, so the answer is a fraction rather than a yes.

Can my employer change my contract?

A contract takes two to make and two to change. What a flexibility clause really allows.

Do I need a business bank account?

A sole trader is not legally required to have one. For a company the money is not yours in the first place.

Do I need a CSCS card?

No law requires one, every site does, and the test alone will not get you it.

Do I need a principal designer?

CDM 2015 turns on one thing: more than one contractor. Not value, size or duration.

Do I need planning permission?

Permitted development limits in England for fences, driveways, sheds and decking.

Do I need to be a registered waste carrier?

Own waste is usually free lower tier. Construction and demolition waste is the exception.

Do I need to file a tax return?

The 1,000 pound line is a turnover test, not a profit test, and it is not the only trigger.

Do I need to register for CIS?

Contractor registration is compulsory, subcontractor registration is optional and costs ten per cent.

Do I need to register with the ICO?

Most businesses handling personal data owe an annual fee, sole traders included.

How to build a stud wall

Marking out, the plates, and why a wall built flat will not tilt up.

How to chase an unpaid invoice

The order it goes in, why the letter before claim is required, and why a judgment is not payment.

How to hang wallpaper

Start from a plumb line rather than a corner, and choose where the seam that will not match lands.

How to lay decking

Ground and ventilation first, then the connection to the house, the frame and the boards.

How to lay laminate flooring

Subfloor, acclimatisation and setting out, plus the beading mistake that cancels the expansion gap.

How to lay turf

Preparing the ground, the brick bond, and the watering that decides whether it takes.

How to mix concrete

The ratios by volume, and why adding water to make it workable makes it weaker.

How to paint a room

Preparation, the order to work in, and the reason a wall ends up with a visible frame round it.

How to tile a wall

The batten that decides whether it looks right, and why corners get silicone not grout.

What am I owed when I leave a job?

Notice, holiday, final pay and redundancy are four separate things, plus what can be deducted.

What insurance do I need?

Only employers liability is required by law. Public liability is not, and you will not get on site without it.

The unit on radiator boxes, what it converts to in watts, and what a ton of cooling is.

What is a joist?

The repeated timbers under your floor, and how to tell which way they run.

What is a near miss?

The one where nobody got hurt, and how it differs from a dangerous occurrence.

What is a risk assessment?

The five steps, hazard against risk, and why there is no severity-after box.

What is a stud wall?

The parts, their names, and how to tell whether it is holding anything up.

What is a toolbox talk?

Five to fifteen minutes, at the workplace, about the job in front of you.

What is an EPC?

The A to G rating, when you legally need one, and the very different schemes used elsewhere.

What is an R-value?

Resistance to heat flow, how it relates to a U-value, and why one batt has three numbers.

What is an RSJ?

A tapered-flange steel beam, why a universal beam is what you probably want, and the US equivalents.

What is compound interest?

Interest that earns interest. Simple against compound, the rule of 72, and why it runs both ways.

What the letters stand for, what counts, and the three it does not cover.

What is drywall?

The gypsum core, what it replaced, and the chemistry that makes a paper-faced board fire rated.

What is EXIF data?

Photos carry a hidden block including the camera, the time and usually the coordinates.

The Lifting Operations and Lifting Equipment Regulations, and why the sling counts as much as the crane.

What is manual handling?

Pushing, pulling, carrying and supporting a load, not only lifting it. The three duties in order.

What is mortar?

Sand and a binder, and why its first job is spreading load rather than sticking bricks.

What is MOT Type 1?

A graded crushed aggregate, and why the spread of particle sizes is the whole specification.

Steel cast into concrete to carry the tension concrete cannot. And why cover matters.

What is stamp duty?

The tax a buyer pays on a property purchase, and why going a pound over a threshold is not a cliff.

What is topsoil?

The living top layer, why it is not compost, and how to judge a load before it is tipped.

Not only about businesses being sold. It catches a service contract moving to a new provider.

A consumption tax collected at every stage and reclaimed by every business, so only the customer pays it.

The Canadian hazard communication system, and the half of the training nobody can sell you.

What is working at height?

There is no minimum height. What counts, what does not, and the order the law puts controls in.

When do I pay corporation tax?

Nine months and a day after your year end. The return is not due for twelve, which is the wrong way round.

Why cannot I edit a PDF?

A PDF records where marks go, not what they mean. That one fact explains most of this hub.