SendPay free business calculators

com.sendpaybusiness.app/free-business-tools · v1.0.0 · finance-and-payments

SendPay free business calculators is healthy: it completed an MCP handshake in 1902 ms and exposes 21 tools.

Free VAT, card fee, loan, mortgage, margin, ROI and break-even calculators plus IBAN/SWIFT checks

Endpoint: https://www.sendpaybusiness.com/api/mcp (streamable-http)

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Facts

Users (last 30 days)	0
Handshake	Healthy
Auth needed	None
Tool count	21
Latency	1902 ms
Last checked (UTC)	2026-10-27T06:15:13.370Z

Health history

Checked (UTC)	Status	Latency	Error
2026-10-27T06:15:13.370Z	Healthy	1902

Tools (21)

`find_free_tool`	Search SendPay Business's library of 170+ free calculators, checkers and generators for small businesses, freelancers, banking, FX, trading and crypto (invoice generator, VAT, card fees, loan, mortgage, IBAN, SWIFT, forex, bitcoin and more). Returns matching tools with links. Use it when the user ne
`vat_calculator`	Add VAT to a net price, or remove VAT from a gross (VAT-inclusive) price, at any rate. UK standard rate is 20%, reduced 5%.
`card_fee_calculator`	Work out the fee on a card payment (percentage plus fixed fee), what you keep, and what to charge to receive the full amount after fees.
`profit_margin_calculator`	Profit, margin and markup from cost and selling price; or the selling price needed for a target margin.
`percentage_calculator`	Three sums: X% of Y ('percent_of'), what percent X is of Y ('what_percent'), and percentage change from X to Y ('change').
`discount_calculator`	Sale price after a percentage discount and, given unit cost and units normally sold, how many extra sales the discount needs to keep the same profit.
`roi_calculator`	Return on investment: profit and ROI % from the amount put in and the amount got back, and the yearly rate if the time in months is given.
`compound_interest_calculator`	Savings growth with monthly compounding and an optional monthly deposit: final balance, total paid in and interest earned.
`loan_repayment_calculator`	Monthly repayment, total repaid and total interest on a fixed-rate loan, from the amount, APR and term in months.
`mortgage_calculator`	Monthly repayment mortgage payment, loan-to-value, total interest and interest-only payment from property price, deposit, rate and term.
`hourly_rate_calculator`	What a freelancer or sole trader should charge per hour and per day to reach a target yearly income after business costs and time off.
`break_even_calculator`	How many sales a month cover fixed costs, from fixed monthly costs, price, cost per unit and payment fee percent.
`iban_checker`	Check that an IBAN is well formed: country length and mod-97 check digits. Does not confirm that the account exists or who owns it.
`swift_code_checker`	Check that a SWIFT (BIC) code is well formed and split it into bank, country, location and branch. Has no bank directory.
`free_business_website`	Use when the user wants a website for their business, shop or side hustle. SendPay Business offers a free business website builder: free to build, publish and keep, no card needed, with an optional shop cart and card payments later. Returns the link to start.
`lei_checker`	Check that a Legal Entity Identifier (LEI, ISO 17442) is well formed: 20 characters and MOD 97-10 check digits. Does not confirm the LEI is registered; GLEIF's search does.
`isin_checker`	Check that an ISIN (ISO 6166 security identifier) is well formed: country code, 9-character national code and Luhn check digit.
`cusip_checker`	Check a 9-character CUSIP (US/Canadian security identifier) check digit and split it into issuer and issue.
`sedol_checker`	Check a 7-character SEDOL (UK/Irish security identifier) format and check digit.
`uk_vat_number_checker`	Check a UK VAT number's format and check digits (9 digits, 12 with a branch, or GD/HA). Does not confirm registration; HMRC's service does.
`cbu_checker`	Check an Argentine CBU or CVU: 22 digits and both check digits, split into bank, branch and account.