Free small business tools
Price the work, bill your customers, and know your numbers — five free tools built by Novo. No signup required.
- Invoicing
Invoice Generator
Create a professional invoice and download it as a PDF in minutes. Free, unlimited, and no signup or software required.
Create an invoice - Estimates
Job Estimator
Build a polished estimate in seconds: pick a job type, add line items from a starter price book, and get AI help scoping and pricing the work.
Build an estimate - Pricing data
Pricing Benchmark
See what small businesses actually charge — median job sizes and hourly rates across trades and professional services, by segment and region.
Compare your rates - Payments data
Payment Speed Report
How long does it take to get paid? See days-to-get-paid by industry, based on anonymized invoicing activity from small businesses on Novo.
See the data - Taxes
S Corp vs LLC Calculator
Estimate how much you could save in self-employment and payroll taxes with an S corporation election versus default LLC tax treatment.
Estimate your savings
Banking built for small business
The tools are free for everyone. With a Novo account, estimates become invoices, payments land in your business checking account, and reserves set aside job costs and taxes.
- No hidden fees, no monthly fees, no minimums
- Unlimited invoices & estimates
- Reserves to set aside job costs & taxes like a pro
- Personalized AI banking assistance