Free business tools.
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Every tool solves a real operational problem in seconds. Download your documents or spreadsheets instantly without creating an account or paying a cent.
Instant tools for founders and operators.
Invoice Generator
Create professional PDF invoices in 30 seconds. Live tax calculation, custom branding, and 15+ global currencies.
Balance Sheet Generator
Free classified balance sheet builder with auto-calculated asset/liability subtotals and real-time balance checks.
Template Library
Download Word, Excel, PDF, and Google Docs templates for quotes, offer letters, NDAs, and purchase orders.
Quotation Maker
Clean sales quote templates that specify project scopes, itemized estimates, and client acceptance signature lines.
Payroll Calculator
Gross-to-net payroll estimation sheets with statutory withholdings, employer taxes, and benefit deductions.
Payslip Generator
Itemized salary slips with tax deductions, statutory contributions, and employee gross/net breakdown columns.
Purchase Order Maker
Standardized purchase order documents that line up with vendor billing, catalog numbers, and warehouse orders.
Leave & PTO Tracker
Track team vacation days, sick leaves, and statutory time off without running into complex multi-tab errors.
Receipt Maker
Instant proof-of-payment receipts with transaction timestamps, tax lines, and payment reference numbers.
Stop juggling standalone files. Run it all in one platform.
Encarmo brings double-entry accounting, invoicing, live bank reconciliation, payroll, and CRM into one connected platform — with free core accounting for life and no per-user penalties.