Tools · Panama

Free tools for running your business

Made for Panama: with ITBMS, RUC and DV, DGI and Balboas. Useful even if you never buy anything from us.

No sign-upComputed in your browserNothing is sentWith the rule cited
Available today

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Diagnosis

Diagnose your business

Ten questions you can answer from memory. Out comes your bottleneck, one metric to watch every week and a 14-day plan you can do with pen and paper.

Result on the page, instantly.
Start the diagnosis
RUC

RUC and verification-digit validator

Paste the RUC, pick the type and get the DV with the DGI's official algorithm. The DV depends on the RUC type: that is why generic validators fail.

Every new client you register.
Open the validator
Pricing

Price with ITBMS and real margin

Cost, the margin you want and the card fee: out comes the price with and without tax, and the margin you really keep at 7, 10 or 15%.

Every new product and every supplier price change.
Open the calculator
Quotes

Quote generator (PDF)

RUC and DV for both parties, ITBMS separated from the base as the Tax Code requires, in Balboas, ready to send by WhatsApp.

Every week, if you sell services.
Make a quote
Recipes

Recipe cost and shopping list

Your recipe and what you pay per pack: real cost per unit with waste, suggested price, how many you can make today and what to buy in whole packs.

Every new recipe and every time an ingredient goes up.
Open the calculator
Taxes

Business tax estimator

Income tax, aviso de operación, tasa única and payroll in one yearly number, and step 2: what can bring it down.

Use it when planning the year or switching from sole proprietor to company.
Open the estimator
Invoicing

DGI free invoicer or a PAC?

Two numbers and you know which applies under the 2026 rule.

Once a year, or when you grow.
Open the calculator
Point of sale

Real yearly cost of a point of sale

Licence, registers, users and e-invoicing: the whole bill, not just the combo.

Before signing with any vendor.
Open the calculator
Templates

Spreadsheets for the day to day

.xlsx files with formulas in place and an example loaded: open them in Excel or upload to Google Sheets. We email them to you; we do not write to you unless you ask. Each one says which Tadpole module does the same on its own.

Cash · every day

Daily cash count

Fixed float, sales by payment method, withdrawals, expected against counted and the difference in red. Monthly summary included. (Spanish)

Use it at close, every day. Zero gets written down too.
Collections · weekly

Collections kit

Who owes you, since when, 30/60/90 aging computed for you, which message is due, and six WhatsApp messages ready to copy. (Spanish)

Use it the same day every week. Collecting is a habit.

Coming templates: inventory control with reorder point · 13-week cash flow · client account statement.

All of this lives inside Tadpole with your real numbers: the RUC is validated as you type it, every product keeps its ITBMS, the quote becomes a sale and the books accumulate what you will declare.

See the modules