Free tools — no sign-up required

Free forever.
No catch. No sign-up.

Ten commercial tools available free, permanently, with no account needed. Use them as often as you like. When you want the full picture — your biggest risk, biggest opportunity and one recommended action for your specific business — that’s 3DMAI.

Start 30-day free trial → £39.99/month after trial  ·  Cancel any time
Always free — no account needed

These tools are free permanently. No email required. No trial period. Use them whenever you need them.

New — Business Report Analyser

Business Report Analyser

Upload your P&L, management accounts, balance sheet, cashflow statement, or any company financial report. 3DMAI analyses the content and returns a structured commercial report with key metrics, insights, risks, opportunities, and priority actions. Built for UK SMEs.
Executive summary & key metrics (free)
Detailed insights & risk flags
Opportunities & priority actions
Full report unlocked with email
Analyse my report →
Free — No Sign-Up Required

Free AI Business Review

Enter five numbers about your business and get an instant AI-powered commercial health check — margin, cashflow, costs, and clear recommendations. Your score appears immediately. Full breakdown unlocked with your email.
Commercial health score (0–100)
Gross & net margin analysis
Cost and cashflow assessment
AI executive summary & actions (email required)
Start your free review →
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 →
New — Supplier Radar

Supplier Radar

Compare two suppliers across 10 weighted dimensions. AI analyses their websites for ethics, environmental signals, and financial stability. Side-by-side radar chart and weighted recommendation.
10-dimension weighted scorecard
AI website analysis (ethics & environmental)
Side-by-side radar chart
Price & landed cost comparison
Launch Supplier Radar →
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
These are the entry point. 3DMAI is the full picture.
The free tools answer one specific question. 3DMAI looks at your whole business and tells you what matters most right now — your biggest risk, your biggest opportunity, and one recommended action — built from your actual numbers. 30-day free trial. No credit card required upfront.
✓
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.
✓
£39.99/month. Cancel any time. 30-day free trial — full access from day one.
Start free 30-day trial →

Ready for the full picture?

The free tools give you a starting point. A 3DMAI subscription gives you the Commercial Command Centre — your biggest risk, your biggest opportunity, and one recommended action, every time you log in. Built from your numbers. In plain English.

Start free 30-day trial → Browse paid tools
30 days
Free trial — full access — £39.99/month after
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© 2025 3DMAI. All rights reserved. Built for UK SMEs.

General guidance only — not financial or legal advice.

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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