Free tools for smart business growth

Cost of goods sold calculator (COGS)

Instantly calculate your cost of goods sold (COGS) and see why this metric helps businesses make smarter financial decisions.

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Quick ratio calculator

Our quick ratio calculator assesses a company's liquidity. Use it to see how well your business can cover its near-term debts with cash and near-cash assets.

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Profit margin calculator

Use OnPay’s profit margin calculator to figure out pricing to increase profits, drive growth, and optimize your business.

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Debt-to-equity calculator

Use our debt-to-equity ratio calculator to measure your financial leverage and see how much debt your business carries compared to owner investments.

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Final paycheck calculator

Many states have final paycheck rules for employers and this tool helps you make payments for termination or severance in all 50 states.

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Financial leverage ratio calculator

Our financial leverage ratio calculator helps business owners understand how much of their assets are financed by debt instead of owner equity.

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401(k) calculator costs

How do you know if setting up a retirement savings plan will fit into your budget? Use this tool to find out!

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Worker classification checker

Avoid misclassifying employees and independent contractors with OnPay’s free classification checker.

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State-by-state business compliance checker

Use OnPay's compliance checker to make sure your business is keeping up to date on requirements like workers' compensation and state-mandated retirement plans.

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Payroll and salary calculator

Try our easy-to-use payroll calculator to quickly run payroll in any state, or get 2025 federal and state tax rates. Fill in the form and OnPay does the math.

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Hourly paycheck calculators

Need a little extra help running payroll for hourly employees? Try our paycheck calculator. You’ll see payroll taxes, overtime rates, and everything else you need to get those paychecks right.

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Gross-up calculator (net to gross pay tool)

Quickly calculate a gross-up with our net to gross calculator which converts net take home pay into the pre-tax gross pay amount. Don’t worry, it’s easy.

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Shift differential calculator

Not sure how to calculate a shift differential? Use this tool to crunch the numbers and learn more about them.

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Aggregate bonus calculator

Use this tool to accurately calculate bonus payroll taxes with the latest rates and learn about aggregate vs. flat methods.

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Tax tip calculator

This free calculator makes it simple to accurately calculate taxes on tipped wages to run payroll for employees in bars and restaurants.

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Bonus rate calculator

Calculate flat payroll taxes on employee bonuses with our up-to-date bonus tax rate calculator.

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