Business & Startup Calculators

Accounts Payable Turnover Calculator

Calculate accounts payable turnover and days payable outstanding from supplier purchases and average AP. Free educational tool.

Accounts Receivable Turnover Calculator

Calculate accounts receivable turnover and days sales outstanding from credit sales and average AR — how fast your invoices actually convert.

Adjusted EBITDA Calculator

Calculate adjusted EBITDA with add-backs for owner compensation, one-off costs, and non-recurring items — the version a buyer or lender will actually use.

Airbnb Host Profit Calculator

Calculate Airbnb host profit by entering your nightly rate, occupancy, fees, cleaning costs, mortgage, and expenses to see monthly and annual net profit.

Asset Turnover Calculator

Calculate asset turnover ratio from revenue and total assets — a measure of how efficiently a business generates sales from its asset base.

Break-Even Calculator

Calculate break-even point. Enter fixed costs, selling price, and variable cost to see units needed to cover costs. Free and educational.

Business Break-Even Revenue Calculator

Calculate the monthly revenue needed to break even on fixed costs at a given variable-cost ratio — the minimum the business must clear to stay flat.

Business Emergency Fund Calculator

Calculate your business emergency fund target and months to reach it based on operating expenses, coverage months, and monthly contributions.

Capex Growth vs Maintenance Calculator

Split total capex into growth and maintenance components using depreciation as a proxy — the standard technique investors use when companies don't disclose.

Capital Expenditure Calculator

Calculate capital expenditure from PP&E change and depreciation, plus capex intensity as a percentage of revenue for sector comparison.

Cash Conversion Cycle Calculator

Calculate cash conversion cycle from days inventory, receivables, and payables to measure working capital efficiency. Free — no signup.

Cash Flow Calculator

Project ending cash and runway from starting balance, monthly inflows, and outflows — see when the runway runs out at the current burn.

COGS Calculator

Calculate cost of goods sold from inventory movements, plus gross profit, gross margin, and markup percentage in one view.

Combined Leverage Calculator

Calculate degree of combined leverage from operating leverage and financial leverage — the total EPS sensitivity to a revenue change.

Contract Manufacturing Cost Calculator

Calculate contract manufacturing landed cost per unit including production, tooling, shipping, and import duty. Free educational tool.

Contribution Margin Calculator

Calculate contribution margin per unit and total contribution from price per unit, variable cost per unit, and units sold.

Corporate Travel Cost Calculator

Calculate corporate travel costs covering flights, hotels, and meals to estimate monthly and annual business travel spending by trip frequency.

Cost of Debt Calculator

Calculate pre-tax and after-tax cost of debt from annual interest expense, total debt, and tax rate. Free and educational.

Cost Reduction Impact Calculator

Calculate the profit boost from reducing costs by a given percentage — see how a small expense cut amplifies into a large margin change.

Credit Risk Probability Calculator

Calculate credit default probability from credit score, debt-to-income ratio, credit utilisation, and credit history length.

Crowdfunding Goal Calculator

Calculate crowdfunding campaign goal amount after platform fees, payment processing, reward fulfilment, and a contingency buffer.

Current Ratio Calculator

Calculate the current ratio from current assets and liabilities to measure a business's short-term liquidity. Free educational tool.

Days Sales Outstanding Calculator

Calculate days sales outstanding using accounts receivable, credit sales, and period length to measure your average payment collection time.

Debt Coverage Ratio Calculator

Calculate the debt service coverage ratio (DSCR) from net operating income and annual debt service — the lender's main rental-income litmus test.

Debt Ratio Calculator

Calculate debt ratio from total debt and total assets — the balance-sheet number that signals how much of the company is funded by borrowing.

Debt-to-Equity Ratio Calculator

Calculate debt-to-equity ratio from total debt and total equity — the standard measure of how much of a business is funded by borrowing.

Debt to Net Worth Ratio Calculator

Calculate debt-to-net-worth ratio as a measure of financial resilience — what proportion of your gross position is funded by liabilities.

Delivery Driver Profit Calculator

Calculate delivery driver net profit after fuel, vehicle wear, and other expenses — the gig-economy take-home behind a quoted gross.

DSCR Calculator

Calculate Debt Service Coverage Ratio for property and business loans. Enter net operating income annual to see dscr ratio and rates lender comfort level.

DuPont Analysis Calculator

Decompose Return on Equity into profit margin, asset turnover, and equity multiplier using DuPont analysis to find which lever drives the result.

EBITDA Calculator

Calculate EBITDA and EBITDA margin from revenue, COGS, operating expenses, depreciation, and amortisation — the headline operating-profit metric.

EBITDA Margin Calculator

Calculate EBITDA margin from EBITDA and revenue to measure operating profitability before financing and tax structure differences.

Employee Cost Calculator

Calculate total cost of an employee including benefits, workspace, equipment, and training — the real number behind the base salary line item.

ERP ROI Calculator

Calculate ERP ROI from total implementation cost, ongoing efficiency savings, error-reduction savings, and the analysis horizon you choose.

Expected Loss Calculator

Calculate credit expected loss from probability of default, exposure at default, and loss given default — the standard credit-risk three-factor model.

Financial Leverage Calculator

Calculate financial leverage (the equity multiplier) from total assets and total equity — the bigger picture behind a debt-to-equity ratio.

Financial Ratios Calculator

Calculate debt-to-income, housing, savings ratios, and emergency fund months in one calculator. Enter net income to see debt-to-income ratio and housing ratio.

Fixed Cost Calculator

Calculate total monthly fixed costs from rent, utilities, insurance, salaries, and subscriptions — your baseline before a single sale is made.

Franchise Fee Calculator

Calculate total franchise investment including initial fee, build-out cost, working capital, ongoing royalty, and marketing contribution.

Franchise ROI Calculator

Calculate franchise ROI by entering your upfront fees, startup costs, royalties, and projected revenue to estimate net profit over time.

Free Cash Flow Calculator

Calculate free cash flow from revenue, operating costs, taxes, and capex — the cash a business actually has left after running and maintaining itself.

Gig Economy Net Income Calculator

Calculate gig worker net take-home after platform fees, expenses, and self-employment tax — the real number behind a quoted gross.

Gross Profit Calculator

Calculate gross profit and gross margin from revenue and cost of goods sold — the topline-after-direct-costs view of business profitability.

Gross Profit Margin Calculator

Calculate gross profit margin percentage from revenue and cost of goods sold — the headline ratio behind whether a business has pricing power.

Hedge Cost Calculator

Calculate hedge cost from exposure amount, bid-ask spread in basis points, and hedge percentage to see absolute cost and cost as % of exposure.

Hot Desking Calculator

Project yearly savings from hot desking based on desk reduction from employee count and the desk-sharing ratio you can sustain.

Hybrid Work Model Calculator

Calculate hybrid work annual costs including commute and WFH energy. Enter office days per week to see annual hybrid work cost across commute and wfh energy.

Incoterms Cost Calculator

Compare landed cost across Incoterms — EXW, FOB, CIF, DDP — by entering freight, insurance, and duty to see total cost per trade term.

Interest Coverage Ratio Calculator

Calculate interest coverage ratio from EBIT and interest expense — how many times over the company's earnings can pay its interest bill.

Invoice Factoring Calculator

Calculate invoice factoring cost and effective APR from advance rate, factoring fee, days to payment, and ongoing interest charges.

Labour Cost Percentage Calculator

Calculate labour cost as a percentage of revenue with industry benchmarks for comparison — the operator's first health-check number.

Landed vs Ex Works Calculator

Compare DIY landed cost (Ex Works price plus logistics and duty) vs a delivered duty-paid quote to see whether handling shipping yourself wins.

Letter of Credit Cost Calculator

Calculate letter of credit cost from LC amount, fee percentage, term, and discrepancy fees. Enter lc fee quarterly basis to see lc cost from amount and fee %.

Net Profit Margin Calculator

Calculate net profit margin percentage from total revenue and total business expenses — the bottom-line profitability ratio after everything's paid.

Office Space Cost Calculator

Calculate annual office space total cost including rent and services. Enter square feet to see total annual office cost including rent and services.

Office vs Remote Savings Calculator

Project yearly savings from moving a team remote versus office after accounting for remote stipends and any productivity adjustment.

Operating Cash Flow Calculator

Calculate operating cash flow from net income, depreciation, and working capital change — the cash version of the income statement bottom line.

Operating Leverage Calculator

Calculate degree of operating leverage (DOL) and EBIT impact from revenue change, contribution margin, and fixed cost base.

Operating Margin Calculator

Calculate operating margin from EBIT and revenue to measure what percentage of sales becomes operating profit after covering business costs.

Pricing Calculator

Calculate product pricing using cost-plus, competitor-based, and value-based approaches — see what each method suggests as a list price.

Profit Margin Calculator

Calculate profit margin from revenue and total costs, with markup-to-margin conversion — the two ratios most people mix up.

Profit per Customer Calculator

Calculate profit per customer from revenue, cost of goods sold, and variable servicing costs. Enter revenue per customer to see per-customer profit.

Quick Ratio Calculator

Calculate the quick ratio from cash, receivables, securities, and current liabilities — the liquidity test that excludes inventory.

Recruitment vs Direct Hire Calculator

Compare recruitment agency vs direct hire costs by calculating agency fees, job board spend, and vacancy productivity loss side by side.

Remote vs Office Team Calculator

Compare remote versus office team annual costs including rent, stipends, and travel — which model wins at your team size and salary mix.

Return on Assets Calculator

Calculate Return on Assets (ROA) from net income and total assets — how much profit each dollar of assets is generating.

Return on Equity Calculator

Calculate Return on Equity from net income and shareholders' equity — the headline profitability metric for a business owner.

Revenue Growth Rate Calculator

Calculate revenue growth rate between two periods, expressed both as a percentage and as a multiple of the prior period's number.

Revenue per Employee Calculator

Calculate revenue per employee — a common cross-industry productivity benchmark — from annual revenue and headcount FTE.

Revenue per Hour Calculator

Calculate effective revenue per hour from monthly revenue and total hours worked — the implicit rate behind your business model.

Revenue Run Rate Calculator

Calculate revenue run rate by annualising recent-period revenue into annual, quarterly, and monthly projections — useful for forecasting from short data.

Runway Extension Calculator

Calculate startup runway extension from cost cuts and revenue increases. Enter cash to see extended runway after cost reductions and revenue additions.

Savings to Debt Ratio Calculator

Calculate your savings-to-debt ratio. A ratio above 1 means savings exceed debts; below 1 means debt is the larger position.

Side Hustle to Fulltime Gap Calculator

Calculate gap between side hustle income and target full-time income with time-to-target at current growth rate. Free educational tool.

Financial Stress Test Calculator

Calculate business profit and cash survival under stressed revenue scenarios — what a 20-40 percent drop does to your runway and bottom line.

Supply Chain Disruption Calculator

Calculate revenue at risk from a supply chain disruption based on outage duration, inventory buffer, and post-disruption recovery rate.

Supply & Demand Equilibrium Calculator

Calculate the supply-and-demand equilibrium price and quantity from linear demand and supply functions — where the two lines actually cross.

Target Selling Price Calculator

Calculate the target selling price needed to hit your profit margin after product cost, shipping fees, and platform deductions are applied.

Trade Finance Cost Calculator

Calculate trade finance costs including interest charges, arrangement fees, and effective APR for international trade transactions.

Variable Cost Calculator

Calculate variable cost per unit from materials, labour, packaging, shipping, and sales commission, scaled across units produced.

WACC Calculator

Calculate weighted average cost of capital (WACC) from equity, debt, their costs, and tax rate. Enter cost of equity to see wacc from equity and debt.

Warehouse Cost Calculator

Calculate total annual warehouse cost from rent per square foot, staff salaries, equipment, and utility bills at a chosen footprint.

Working Capital Calculator

Calculate working capital and working capital as a percentage of revenue from current assets, current liabilities, and revenue.

Working Capital Cycle Calculator

Calculate the working capital cycle (DIO + DSO − DPO) — the number of days cash is tied up in operations before it returns.