Business calculators

Calculate the hourly rate needed to replace a target annual income after accounting for unbillable time and taxes.

Estimate total startup capital needed including one-time costs and a working capital buffer for initial months.

Calculate the interest cost of drawing on a business line of credit based on average outstanding balance.

Calculate the effective annualized cost of a merchant cash advance based on the factor rate and repayment period.

Estimate the cash flow gap created by offering extended invoice payment terms to customers.

Estimate maximum affordable business loan payment based on monthly net operating income and a target debt service coverage ratio.

Compare total cost of leasing versus buying business equipment over its useful life.

Estimate the true cost of employee turnover including recruiting, training, and lost productivity.

Calculate annual inventory carrying cost including storage, insurance, capital cost, and obsolescence risk.

Calculate price elasticity of demand from percentage change in price and quantity demanded.

Project annual recurring revenue lost due to customer churn at a given monthly churn rate.

Calculate how many months of operating runway remain based on cash balance and monthly burn rate.

Calculate gross and net monthly burn rate from operating expenses and monthly revenue.

Calculate how much an existing shareholder’s ownership percentage is diluted by a new funding round.

Calculate vested equity or options at a given point in time under a standard cliff and vesting schedule.

Calculate shares received when a convertible note converts using a valuation cap and discount rate.

Calculate ownership percentage received when a SAFE converts to equity at the next priced funding round.

Estimate buyout price for a departing partner’s ownership stake based on business valuation.

Calculate royalty payments owed to a licensor based on licensee net sales and royalty rate.

Calculate total POS processing fees from transaction volume, per-transaction fee, and percentage rate.

Compare total credit card processing cost across different merchant services fee structures.

Calculate total annual commercial lease cost including base rent, common area maintenance, and escalations.

Estimate total cost to register a new business including state filing fees, licenses, and permits.

Compare true total cost of hiring a W-2 employee versus an independent contractor for the same role.

Estimate annual rewards value earned from business credit card spending across reward categories.

Calculate individual employee profit sharing payout based on company profit pool and allocation method.

Calculate quota attainment percentage and resulting commission payout based on a tiered commission structure.

Calculate the effective annualized return of taking an early payment discount like 2/10 net 30.

Calculate days sales outstanding and estimate bad debt exposure from an accounts receivable aging schedule.

Calculate the change in net working capital between two periods and its impact on free cash flow.

Calculate the quick ratio to assess a business’s ability to meet short-term obligations without selling inventory.

Calculate the current ratio to assess a business’s ability to cover short-term liabilities with current assets.

Calculate DSCR from net operating income and total debt service to assess loan repayment capacity.

Estimate funding needed for a buy-sell agreement funding a business succession or ownership transfer.

Calculate total retention bonus cost and payout schedule for a key employee retention agreement.