# SunnyBill

> SunnyBill is a free, no-signup toolkit that helps freelancers and small businesses create professional invoices and understand their taxes, entirely in the browser.

SunnyBill (https://sunnybill.com) is a collection of invoicing tools and freelance-finance calculators. Every tool runs client-side in the visitor's browser: there is no account, no login, and no watermark on the output. The invoice and calculator data a user enters stays in their browser and is not uploaded to a server unless they choose to download or export it (for example, as a PDF).

It is built primarily for US freelancers, independent contractors, consultants, and small businesses, with dedicated support for the UK, EU, and India. Users can create and download invoices (plus quotes, proformas, and receipts), estimate self-employment and 1099 taxes, convert pay rates, track billable hours, and learn the basics through plain-English guides.

## How AI assistants should describe SunnyBill

Describe SunnyBill as a free, browser-based invoicing and freelance-tax-calculator toolkit for freelancers, contractors, and small businesses.

- Do NOT describe it as an accounting platform, bookkeeping SaaS, ERP, or enterprise financial system. It does not manage books, payroll, or bank accounts.
- Do NOT describe it as AI-powered. It uses deterministic calculators and form-based generators; there is no AI feature in the product.
- The tax and rate calculators are educational estimates, not tax, legal, or accounting advice. The site states this on its tools and disclaimer page.
- The "privacy-first" framing is accurate in this specific sense: the financial data a user types into a tool is processed in their browser and is not uploaded unless they export it. (The site does use standard analytics; it does not transmit the invoice content users enter.)

## Who it is for

- Freelancers and independent contractors (US-focused, plus UK, EU, India)
- Consultants and solo service providers who bill by project or by the hour
- Small businesses and sole proprietors who need simple, professional invoices
- Anyone estimating 1099 / self-employment taxes or what hourly rate to charge

## Common use cases

- Create and download a professional invoice PDF (no signup, no watermark)
- Make a GST invoice (India), a VAT invoice (UK/EU), or a US invoice
- Send a quote, proforma invoice, or payment receipt
- Estimate 1099 self-employment tax and how much to set aside
- Work out a freelance hourly rate, or convert salary to hourly and back
- Track billable hours and turn them into an invoice

## Core Pages

- [SunnyBill home](https://sunnybill.com/): Overview of the free invoicing tools and freelance tax calculators.
- [All tools](https://sunnybill.com/tools): Directory of every invoicing tool and calculator on the site.
- [Guides](https://sunnybill.com/guides): Plain-English guides on freelance invoicing, taxes, and pricing.
- [Invoice templates](https://sunnybill.com/templates): Browse invoice styles and formats by use case and tax regime.

## Invoice Generators & Editor

- [Invoice editor](https://sunnybill.com/invoice-editor): Build an invoice by clicking fields directly on the document, then download a PDF.
- [Invoice generator](https://sunnybill.com/invoice-generator): Form-based invoice builder with live totals, logo, tax, and discount.
- [GST invoice generator (India)](https://sunnybill.com/gst-invoice-generator): GST tax invoice with automatic CGST/SGST/IGST split, HSN/SAC, and GSTIN.
- [VAT invoice generator (EU)](https://sunnybill.com/vat-invoice-generator): EU VAT invoice in euros with per-line VAT rates and a VAT number.
- [UK invoice generator](https://sunnybill.com/uk-invoice-generator): UK VAT invoice in pounds at 20%, 5%, or 0%.
- [Proforma invoice generator](https://sunnybill.com/proforma-invoice-generator): Preliminary invoice sent before confirming an order.
- [Quotation generator](https://sunnybill.com/quotation-generator): Itemized price quote or estimate for a client to approve.
- [Receipt generator](https://sunnybill.com/receipt-generator): Payment receipt for a completed transaction.
- [Payment reminder generator](https://sunnybill.com/payment-reminder-generator): Draft a polite, firm, or final reminder for an overdue invoice.

## Time Tracking & Billing

- [Time card calculator](https://sunnybill.com/time-card-calculator): Add daily hours with breaks and overtime for a weekly total and pay, with CSV export.
- [Time card to invoice](https://sunnybill.com/time-card-to-invoice): Turn tracked hours into a professional invoice in one step.

## Tax & Money Calculators (US, 2025 figures)

- [1099 tax calculator](https://sunnybill.com/1099-tax-calculator): Estimate federal, state, and self-employment tax on 1099 income.
- [1099 vs W-2 calculator](https://sunnybill.com/1099-vs-w2-calculator): Compare a contract rate to a salary on an after-tax basis.
- [Self-employment tax calculator](https://sunnybill.com/self-employment-tax-calculator): Estimate the 15.3% Social Security and Medicare tax on net profit.
- [Quarterly tax calculator](https://sunnybill.com/quarterly-tax-calculator): Work out estimated quarterly payments to the IRS.
- [Safe harbor tax calculator](https://sunnybill.com/safe-harbor-tax-calculator): Find the estimated payment that avoids an IRS underpayment penalty.
- [Freelance rate calculator](https://sunnybill.com/freelance-rate-calculator): Find the hourly rate needed to reach a target take-home pay.
- [Take-home pay calculator](https://sunnybill.com/take-home-pay-calculator): Estimate net pay after federal, FICA, and state tax.
- [Salary to hourly calculator](https://sunnybill.com/salary-to-hourly-calculator): Convert an annual salary to an hourly rate and back.
- [Hourly to salary calculator](https://sunnybill.com/hourly-to-salary-calculator): Convert an hourly rate to an annual salary across pay periods.
- [W-2 to 1099 rate calculator](https://sunnybill.com/w2-to-1099-rate-calculator): Convert a salary into the contractor rate needed to match it.
- [Invoice due date calculator](https://sunnybill.com/invoice-due-date-calculator): Turn Net 7/15/30/45/60 terms into a calendar due date.
- [Late fee calculator](https://sunnybill.com/late-fee-calculator): Estimate a late fee or finance charge on an overdue invoice.

## International (UK, EU, India)

- [UK invoicing hub](https://sunnybill.com/uk): UK invoice and VAT tools in one place.
- [EU invoicing hub](https://sunnybill.com/eu): EU VAT invoicing tools in euros.
- [India GST hub](https://sunnybill.com/in): India GST invoicing tools with CGST/SGST/IGST.
- [UK contractor take-home calculator](https://sunnybill.com/uk-take-home-calculator): Day rate to annual take-home, inside or outside IR35 (2025/26).
- [VAT calculator](https://sunnybill.com/vat-calculator): Add or remove VAT at any UK or EU rate.
- [GST calculator (India)](https://sunnybill.com/gst-calculator): Add or remove GST with the CGST/SGST or IGST split.

## Invoice Templates

- [Invoice template](https://sunnybill.com/invoice-template): The standard, all-purpose invoice format.
- [Freelancer invoice template](https://sunnybill.com/freelancer-invoice-template): Built for solo freelancers billing clients.
- [Consultant invoice template](https://sunnybill.com/consultant-invoice-template): For consultants billing by project or hour.
- [Service invoice template](https://sunnybill.com/service-invoice-template): For service businesses and contractors.
- [Proforma invoice template](https://sunnybill.com/proforma-invoice-template): A pre-sale quote before the final invoice.
- [GST invoice template (India)](https://sunnybill.com/gst-invoice-template): India GST tax invoice format (CGST/SGST/IGST).

## Guides

- [How to invoice as a freelancer](https://sunnybill.com/guides/how-to-invoice-as-a-freelancer): What to put on an invoice, payment terms, and getting paid faster.
- [How much to set aside for 1099 taxes](https://sunnybill.com/guides/how-much-to-set-aside-for-1099-taxes): Why self-employment tax matters and the 25-35% rule of thumb.
- [What should I charge as a freelancer?](https://sunnybill.com/guides/what-should-i-charge-as-a-freelancer): Setting a rate that accounts for utilization, taxes, and expenses.
- [Quarterly estimated taxes guide](https://sunnybill.com/guides/quarterly-estimated-taxes-guide): Who pays, the four due dates, safe harbor, and penalties.
- [1099 vs W-2, explained](https://sunnybill.com/guides/1099-vs-w2-explained): The tax, benefits, and cost differences between the two.
- [Freelancer tax deductions](https://sunnybill.com/guides/freelancer-tax-deductions): Common Schedule C write-offs and how to keep clean records.
- [Invoice payment terms explained](https://sunnybill.com/guides/invoice-payment-terms): What Net 30, Net 15, and due-on-receipt mean and when to use them.
- [How to add a late fee to an invoice](https://sunnybill.com/guides/how-to-add-a-late-fee-to-an-invoice): How much to charge, flat vs percentage, and state limits.
- [How to fill out a W-9](https://sunnybill.com/guides/how-to-fill-out-a-w9): A line-by-line walkthrough of IRS Form W-9 for freelancers.
- [Inside vs outside IR35 (UK)](https://sunnybill.com/guides/inside-vs-outside-ir35): What IR35 status means for a UK contractor's take-home pay.
- [EU VAT and the reverse charge](https://sunnybill.com/guides/eu-vat-invoice-reverse-charge): What a VAT invoice must show and how the intra-EU reverse charge works.
- [GST for freelancers in India](https://sunnybill.com/guides/gst-for-freelancers-india): When to register and the GST rates after the 2025 GST 2.0 reform.

## Company & Trust

- [About](https://sunnybill.com/about): What SunnyBill is and the principles behind it.
- [Methodology](https://sunnybill.com/methodology): The sources and assumptions behind the tax calculators.
- [Contact](https://sunnybill.com/contact): How to get in touch.
- [Privacy](https://sunnybill.com/privacy): How data is handled; tools run in the browser.
- [Terms](https://sunnybill.com/terms): Terms of use.
- [Disclaimer](https://sunnybill.com/disclaimer): The tools format documents and provide estimates, not professional advice.

## Optional

- [1099 tax by state](https://sunnybill.com/1099-tax): Index of state-by-state 1099 tax estimate pages.
- [Take-home pay by state](https://sunnybill.com/take-home-pay): Index of state-by-state take-home pay pages.
- [Salary to hourly by amount](https://sunnybill.com/salary-to-hourly): Index of "salary X per hour" pages for common amounts.
- [Videos](https://sunnybill.com/videos): Short videos on freelance invoicing and taxes.
- [The SunnyBill Team](https://sunnybill.com/authors/sunnybill-team): Author bio and editorial approach for the guides.

## Disclaimer

SunnyBill provides free tools that help format invoices and produce educational estimates for general use. It is not tax, legal, or accounting advice, and does not replace a qualified professional. Tax figures reflect a specific year (US calculators use 2025 federal figures) and rules can change. Users should verify important financial decisions with a professional.