Free tools - the door, not the product

Free forever.
No catch. No sign-up.

These tools answer one specific operational question each. They are free permanently. When you want the full picture - P1–P4 priority findings, evidence classified, 90-day action plan, PDF your MD will take seriously - that is the Commercial Performance Review. That is what the subscription buys.

Start 30-day free trial → See example review first

£39.99/month after trial  ·  Cancel any time

Free - Health score only

Commercial Health Score

Enter five key figures and get your commercial health score out of 100. The score is free. The findings that explain it - which commercial domain is causing it, what the specific evidence shows, and what to do - are available in the full Commercial Performance Review.
✓ Commercial health score (0–100) - free
● Which domain is driving it - subscribers only
● Evidence-classified findings - subscribers only
● P1–P4 recommendations - subscribers only
Get your health score →
Free - No Sign-Up Required

Marketing ROI Calculator

Add your marketing spend and revenue by campaign channel - Google Ads, LinkedIn, Email, Exhibitions, or other. Get an instant ROAS figure and performance rating. Full channel verdict and recommendations unlocked with your email.
ROAS calculation per channel
Instant performance rating
Net return on spend
Channel verdict & recommendations (email required)
Calculate your ROI →
Free - No Sign-Up Required

VAT Cash Flow Planner

Enter your annual turnover and VAT scheme. Get your quarterly liability, exact monthly set-aside amount, and a cash reserve verdict instantly. Full payment schedule and priority actions unlocked with your email.
Annual VAT liability calculation
Monthly set-aside amount
Cash reserve assessment
Quarterly schedule & actions (email required)
Plan your VAT cashflow →
Free - No Sign-Up Required

Business Idea Validator

Answer 10 structured questions about your business idea and get an instant commercial viability score. Market size, competition, pricing power, and execution risk - all assessed before you commit a penny.
Commercial viability score out of 100
Market & competition assessment
Pricing power and margin analysis
Risk flags and recommended next steps
Validate your idea →
Free - Basic comparison only

Supplier Comparison

Compare two suppliers side by side across price and basic dimensions. The AI ethics analysis, environmental signals, financial stability scoring and weighted recommendation are available to subscribers.
✓ Basic side-by-side scorecard - free
● AI ethics & environmental analysis - subscribers only
● Financial stability signals - subscribers only
● Weighted recommendation & landed cost - subscribers only
Compare suppliers →
Free - No Sign-Up Required

Late Payment Impact Calculator

One overdue invoice. Instant 60-day cash impact analysis. See exactly what late payment is costing your business in working capital, revenue needed to replace it, and statutory interest accruing daily.
60-day cash timeline
Working capital gap calculated
Statutory interest (8.5%) accrual
Plain-English recommended actions
Calculate impact →
Free - No Sign-Up Required

Fixed & Variable Cost Classifier

Enter your business costs and instantly see which are fixed, variable, or semi-variable - with a plain-English explanation for every single one. UK-specific guidance built for SME owners who want clarity, not jargon.
Instant classification with explanations
Fixed vs variable vs semi-variable breakdown
Cost structure analysis & insights
UK SME glossary & reference guide
Classify my costs →
Free - No Sign-Up Required

90-Day Business Checklist

A practical 90-day commercial health checklist. Covers the key financial, operational, and commercial checks every SME owner should run every quarter. Identifies what’s working, what needs attention, and what to do next.
Financial health checks
Commercial performance review
Operational risk flags
Prioritised action list
Run the checklist →
Free - No Sign-Up Required

VAT Calculator 2025/26

Add or remove VAT instantly. Compare Flat Rate Scheme savings, estimate your quarterly VAT return, and track where you stand against the £90,000 registration threshold - all in one tool.
Add & remove VAT (all rates)
Flat Rate Scheme comparison
Quarterly return estimator
Registration threshold tracker
Calculate VAT →
Free - No Sign-Up Required

Income Tax Calculator 2025/26

Calculate your real tax bill as a sole trader or limited company director. Includes NI, dividend tax, salary & dividend optimisation, effective rate, and how much to set aside monthly. 2025/26 rates.
Sole trader income tax & NI
Ltd company vs sole trader comparison
Optimal salary + dividend split
Monthly set-aside figure
Calculate my tax →
New - Free Invoice Generator

Professional Invoice Generator

Create a professional UK invoice and download it as a PDF instantly. Business details, customer details, up to 10 line items with VAT, payment terms, sort code, account number, IBAN and SWIFT. No sign-up. No email. Just download.
VAT invoice (0%, 5%, 20%, Exempt)
Auto-calculated net, VAT & total
IBAN & SWIFT for international payments
Instant professional PDF download
Create invoice →
What subscribers get
Used a free tool? Here is exactly what the subscription adds.
The free tools answer one question with one set of inputs. The subscription lets you run your full debtor book, compare unlimited suppliers with AI, model scenarios side by side, and export a branded PDF for board meetings or bank conversations.
✓
Late Payment: 1 invoice free → full debtor book, monthly fixed cost overlay, prioritised chase list, statutory interest by invoice, PDF report.
✓
Supplier Radar: 2 suppliers, manual scoring free → unlimited suppliers, AI analyses each website for ethics, environmental & financial signals, certified procurement report.
✓
£19.99/month. Cancel any time. 7-day free trial - access everything immediately.
Start free 7-day trial →

The free tools answer one question.
3DMAI answers all seven.

P1–P4 priority findings. Evidence classified. Deterministic calculations. 90-day action plan. A PDF your MD, board or accountant will take seriously. Nothing else on the market does this for £39.99 a month.

Start free 30-day trial → See example review first
30 days
Free trial - full access - £39.99/month after
Subscribers
Resources
Daily Briefing Blog Free Tools Tool Guides Education Accountants Glossary
Company
About 3DMAI 3DMAI in Action Websites Reviews Partners Data Sources Privacy Policy Terms & Conditions

© 2025 3DMAI. All rights reserved. Built for UK SMEs.

General guidance only - not financial or legal advice.

3DM Chat
Typically replies in minutes
Hi there 👋 I'm here to help you get the most from 3DMAI. What are you trying to figure out today?
Try a free tool first See what's in the subscription How the tools work Email us directly
3DM
3DM Chat
Typically replies in minutes
Hi there 👋 I'm here to help you get the most from 3DMAI. What are you trying to figure out today?
Try a free tool See what's in the subscription How the tools work Email us directly