TOLEDO TECHNOLOGIES

Free tools for people who run the whole business themselves.

No email walls on the files themselves. Take them, use them, keep them. If they save you an afternoon, the shop has the full versions.

WEB TOOL

Runway Calculator

Five inputs, one honest answer: the date the money runs out at current burn — plus what happens if income drops by a third. Runs entirely in your browser.

Open the calculator →
WEB TOOL

Freelance Rate Calculator

Start from the salary you want to keep. Taxes and expenses get added back, then divided by the hours you can honestly bill — out comes your floor rate.

Open the calculator →
WEB TOOL

Invoice Late-Fee Calculator

Days late, fee accrued, current total owed — plus the exact sentence to paste into the reminder email. Two dates, one number, no spreadsheet.

Open the calculator →
WEB TOOL

Tax Set-Aside Calculator

A rough SE + federal + state estimate for solo operators, turned into one instruction: set aside $X from every $1,000 you invoice. Not tax advice — planning numbers.

Open the calculator →
EXCEL

Runway Calculator, the spreadsheet

The same tool as a single-sheet Excel file you own. No macros, nothing locked. Rough numbers beat no numbers.

Download the .xlsx →
WORD

Change Order Template

The scope-creep killer, free. One of the ten documents in the Client-Ready Business Templates — fill in the brackets and send it.

Download the .docx →
PDF

AI Operator Playbook — sample chapter

The cover, full contents, and all 20 Sales & Proposals prompts from the 65-page playbook. Read it before you decide anything.

Download the sample →
THE SHOP

The full shelf — $19 to $79

The complete cash-flow workbook, automation toolkit, template set, and prompt playbook this studio actually runs on. 14-day refund, no questions.

Browse the shop →

Field guides

Deemed acceptance: the 5-day window that ends scope limbo

The exact clause, the delivery email that starts the clock, and what to say when day six arrives.

How to price a rush job

The 25/50/100% rush-fee tiers, the proposal sentence that makes the premium stick, and when to waive it.

Quarterly estimated taxes for solo operators

The four due dates, the safe-harbor rule, and the set-aside habit plus separate account that prevent the April surprise.

The 13-week cash flow habit

Why profitable freelancers still go under, and the 15-minute Monday routine that prevents it.

Scope creep and the change order that stops it

How scope creep actually starts, the exact moment to send a change order, and the words to use.

Late fees: what to charge, what to say, when to send it

The contract line that makes a late fee enforceable, and the two-touch follow-up cadence.

The statement of work that actually protects you

Six sections that matter, exclusion lines that save projects, and the acceptance-window trick.

Moving from projects to retainers

Three structures that work for one person, rollover policy, and how to propose one.

Five automations worth writing for a one-person business

Invoicing, reporting, email triage, price watching, backups — with honest build-vs-buy notes.