Business Finance
Fund, price, and grow.
- 1.Value the business
- 2.Model financing
- 3.Set pricing
- 4.Find break-even
Business Calculators
CAC, LTV, ROI and creator-economy calculators.
41 free business calculators — no signup, mobile-friendly, formulas verified by our editorial team.
Featured business calculators
Business
DSCR Loan Calculator
Debt-service coverage ratio for investment-property loans (no income doc).
Business
EBITDA Calculator
EBITDA and EBITDA margin with top-down and bottom-up reconciliation.
Business
NPV Calculator
Net Present Value of a project's cash flows discounted at your cost of capital.
Business
ROI Calculator
Return on investment with net gain, annualized ROI and return multiple.
Business
S-Corp Salary vs Distribution Calculator
Find FICA savings from splitting owner pay into reasonable salary and distributions.
Business
Salary vs Hourly Calculator
Convert hourly pay to annual salary (and back) with benefits and true hourly value.
All business calculators
Business
DSCR Loan Calculator
Debt-service coverage ratio for investment-property loans (no income doc).
Business
EBITDA Calculator
EBITDA and EBITDA margin with top-down and bottom-up reconciliation.
Business
NPV Calculator
Net Present Value of a project's cash flows discounted at your cost of capital.
Business
ROI Calculator
Return on investment with net gain, annualized ROI and return multiple.
Business
S-Corp Salary vs Distribution Calculator
Find FICA savings from splitting owner pay into reasonable salary and distributions.
Business
Salary vs Hourly Calculator
Convert hourly pay to annual salary (and back) with benefits and true hourly value.
Business
WACC Calculator
Weighted Average Cost of Capital blending equity and after-tax debt.
Business
Work Hours Calculator
Time card hours between clock times, minus breaks, with overtime and gross pay.
Business
1099 Contractor Take-Home Pay Calculator
Convert a contract hourly rate into real annual take-home after SE tax and expenses.
Business
ACH vs Wire Transfer Cost Calculator
True annual cost of ACH versus wire payments including float and FX spread.
Business
Affiliate Commission Calculator
Affiliate revenue from traffic and conversion.
Business
AI SaaS ROI Calculator
ROI on AI tools and SaaS subscriptions.
Business
Break-Even Calculator
Units and revenue needed to cover fixed and variable costs.
Business
Business Valuation Calculator
Small-business valuation via revenue, EBITDA, and SDE multiples.
Business
CAC Calculator
Customer acquisition cost from marketing spend.
Business
Cash Flow Calculator
Operating cash flow and free cash flow from your P&L and CapEx.
Business
Cost Per Hour Calculator
Break-even cost of an hour of your time plus the rate that hits your margin.
Business
Employee Cost Calculator
True cost of an employee with 2025 payroll taxes, benefits and burden rate.
Business
Freelancer Hourly Rate Calculator
What to charge per hour as a freelancer.
Business
Freelancer Income Calculator
Annual net income from freelance work.
Business
Inventory Days Calculator
Days Inventory Outstanding (DIO) and carrying-cost estimate.
Business
Inventory Turnover Calculator
How many times inventory turns per year, from COGS and average inventory.
Business
Invoice Late Fee Calculator
Late payment interest and flat fees with APR check against state usury caps.
Business
Invoice Total Calculator
Invoice subtotal, discount, sales tax, expenses, deposit and balance due.
Business
IRR Calculator
Internal Rate of Return with Newton-Raphson solver and hurdle-rate check.
Business
LLC vs Sole Proprietor Calculator
Compare take-home pay, self-employment tax and entity fees for an LLC vs sole proprietorship.
Business
LTV Calculator
Customer lifetime value for SaaS.
Business
Markup vs Margin Calculator
Convert between markup and margin and price products correctly.
Business
Overtime Pay Calculator
FLSA time-and-a-half overtime pay, blended rate and weekly gross.
Business
Pay Raise Calculator
New salary, per-paycheck increase and inflation-adjusted real raise.
Business
Payback Period Calculator
Simple and discounted payback period for a capital investment.
Business
Payment Processing Fee Calculator
Card processing fees, effective rate and the gross-up price to net your target.
Business
Profit Margin Calculator
Gross, operating, and net profit margins from your P&L.
Business
Return on Assets (ROA) Calculator
Net income divided by average total assets — asset productivity metric.
Business
Return on Equity (ROE) Calculator
Shareholder returns with DuPont 3-step decomposition.
Business
Salary Breakup Calculator
CTC to in-hand salary breakdown.
Business
Sales Commission Calculator
Tiered commission with quota accelerators, base salary and on-target earnings.
Business
Vacation / PTO Payout Calculator
Gross and net payout of accrued unused PTO hours at separation.
Business
Working Capital Calculator
Working capital, current ratio and quick (acid-test) ratio.
Business
YouTube CPM Calculator
CPM/RPM earnings for YouTube channels.
Business
YouTube Income Calculator
Estimated YouTube ad revenue from views.
Popular in business
Business
1099 Contractor Take-Home Pay Calculator
Convert a contract hourly rate into real annual take-home after SE tax and expenses.
Business
ACH vs Wire Transfer Cost Calculator
True annual cost of ACH versus wire payments including float and FX spread.
Business
Affiliate Commission Calculator
Affiliate revenue from traffic and conversion.
Business
AI SaaS ROI Calculator
ROI on AI tools and SaaS subscriptions.
Business
Break-Even Calculator
Units and revenue needed to cover fixed and variable costs.
Business
Business Valuation Calculator
Small-business valuation via revenue, EBITDA, and SDE multiples.
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Featured guide
Business explainedBusiness FinanceCash flow, unit economics, valuation, and financing guides with SMB calculators.Read the guide →Popular business searches
Who should use these business calculators
Built for U.S. business and self-employment decisions, with documented formulas and primary-source references.
- Founders pricing products and protecting gross margin
- Small-business owners comparing SBA and conventional loan structures
- Freelancers setting rates that survive taxes and unpaid time
- Operators tracking break-even, runway and cash conversion
Decision guides
Ordered calculator paths for the decisions this category supports.
Refinancing
Only refinance when the math clears the closing costs.
- 1.Price the new loan
- 2.Add the closing costs
- 3.Find the break-even month
- 4.Test cash-out vs a HELOC
Business learning path
Start where you are. Each level builds on the tools above it.
Beginner
Get the core unit economics right.
Intermediate
Finance and staff the business deliberately.
Advanced
Value, forecast and optimize the enterprise.
Common business mistakes
What we see people get wrong most often — and the correction.
- Confusing markup with margin
- A 50% markup is a 33% margin. Mixing them up quietly destroys pricing.
- Treating revenue as runway
- Model cash collection timing, not invoiced revenue.
- Pricing without loaded labor cost
- Include payroll taxes, benefits and unbillable hours before setting a rate.
- Ignoring break-even volume
- Fixed costs decide how many units must sell before a single dollar of profit exists.
Latest resources
Explainers and guides from our education hub.
How we keep these calculators trustworthy
Editorial review, documented methodology and primary U.S. sources.
- Editorial policyWho writes and reviews our tools.
- Calculator methodologyHow each formula is chosen and documented.
- How we verify formulasKnown-answer tests against published examples.
- How we test accuracyAutomated regression suite on every release.
- Sources & referencesIRS, CFPB, SSA, HUD, VA, CMS, FDIC, FINRA, Treasury, DOL.
- Financial disclaimerEstimates for education, not financial advice.
Official Sources & References
The formulas, rates and definitions used by this calculator are aligned with the following official sources:
- U.S. Small Business Administration (SBA) — Definitions for break-even, margin and small-business planning.
- Financial Accounting Standards Board (FASB) — U.S. GAAP definitions for margin, revenue and cost categories.
We use only primary sources — regulators, standards bodies and scheme operators. See our full sourcing policy for details. Sources & References Policy · Calculator Methodology · How We Verify Formulas