# Ledgerline

> Free, private calculators and Excel / Google Sheets templates for Etsy sellers, makers and US freelancers. Every page shows its formula, a worked example and primary sources. Last reviewed 2026-11-15.

## Calculators
- [Etsy fee & profit calculator](https://ledgerline-85s.pages.dev/etsy-fee-calculator/): On a typical US order Etsy keeps about 10-13% without Offsite Ads: $0.20 per item sold, 6.5% of the order including shipping, and 3% + $0.25 payment processing. An Offsite Ads order adds 15% (12% for larger shops). On a $24 item with $5 shipping that is $7.56 in fees.
- [Quarterly tax set-aside estimator](https://ledgerline-85s.pages.dev/freelancer-quarterly-tax-calculator/): Set aside roughly 14.1% for self-employment tax plus your federal bracket and state rate. For a freelancer with $63,000 profit in the 22% bracket and a 5% state that is about 43% of every payment, or $6,233.11 per quarterly payment.
- [Product pricing, COGS & margin](https://ledgerline-85s.pages.dev/product-pricing-calculator/): Add materials, your labour at an hourly rate, and other costs to get cost per unit, then divide by (1 - fee % - target margin). A candle with $3.40 materials and 20 minutes of work at $18/hour needs about $21.69 to keep a 40% margin after selling fees.
- [Invoice late fee & interest](https://ledgerline-85s.pages.dev/invoice-late-fee-calculator/): A common late fee is 1.5% per month (18% a year) on the overdue balance, if your contract says so and your state allows it. A $2,400 invoice paid 40 days late at 1.5% a month owes $48.00 in late fees.
- [Monthly business budget planner](https://ledgerline-85s.pages.dev/small-business-budget-planner/): List expected income, then every expense category including owner pay and a tax set-aside, and subtract. The sample shop plans $9,000.00 of income and $8,735.00 of expenses, leaving a $265.00 monthly surplus (3% of income).
- [Reseller fee calculator](https://ledgerline-85s.pages.dev/reseller-fee-calculator/): eBay takes 13.6% of the item plus shipping and $0.40 per order, Poshmark 20% ($2.95 flat under $15), Mercari 10%, Depop 3.3% + $0.45 processing and Whatnot 8% + 2.9% + $0.30. On a $45 item with $8 shipping that is $7.61 on eBay, $9.00 on Poshmark and $5.30 on Mercari.

## Spreadsheet templates
- [Etsy Seller Spreadsheet: True Profit After Fees & Offsite Ads](https://payhip.com/b/eiJpX): Every Etsy fee on every order, Offsite Ads included, rolled up into monthly profit and margin. $19.
- [Freelance Client & Invoice Tracker: Get Paid On Time](https://payhip.com/b/r2loW): Who owes you, how late they are, and a chase list of who to email today. $19.
- [Handmade Pricing Calculator & Inventory Tracker](https://payhip.com/b/UhPOQ): Real cost per unit from your materials and labour, the price for your margin, and what to reorder. $17.
- [Quarterly Estimated Tax Calculator for Freelancers (1099)](https://payhip.com/b/FzJl1): How much to save from every payment, and what is due on each IRS date. $17.
- [Simple CRM & Follow-Up Tracker](https://payhip.com/b/zaPuh): Next follow-up dates filled in for you, a pipeline and win rate by lead source. $12.
- [Small Business Budget & P&L Spreadsheet 2027](https://payhip.com/b/PQRGE): Plan 2027 month by month, paste your bank CSV for actuals, and see if you are ahead of plan. $19.
- [Self-Employed Tax Organizer 2026: Schedule C Ready Spreadsheet](https://payhip.com/b/BJK9G): Income, deductions, mileage and the documents you still need, organised for Schedule C. $19.
- [Reseller Spreadsheet: eBay, Poshmark & Mercari Profit Tracker](https://payhip.com/b/MeCAX): Fees worked out per sale on five platforms, profit and ROI by source and platform, and stale stock flagged. $17.
- [Small Business Spreadsheet Bundle 2027](https://payhip.com/b/vlMQJ): Profit, invoices, pricing and inventory, quarterly tax and follow-ups in five spreadsheets. $49.

## About
- [About and methods](https://ledgerline-85s.pages.dev/about/): how the numbers are checked
- [Full text for LLMs](https://ledgerline-85s.pages.dev/llms-full.txt)