Small Business Finance Calculators
Search by task, category, or business type. Start with pricing, then move into cash flow, taxes, hiring, loans, or invoice-related planning.
1. Price the work
Margin, markup, selling price, product costs.2. Check the business case
Break-even, ROI, payback, cash runway.3. Prepare next actions
Taxes, loans, fees, invoices, and hiring costs.Calculator directory
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Showing 60 of 60 tools
Profit Margin CalculatorCalculate profit, margin percentage, and pricing health from cost and revenue.Open →Gross Margin CalculatorCalculate gross profit and gross margin from revenue and COGS.Open →Markup CalculatorCalculate selling price, markup, profit, and margin from cost.Open →Break Even CalculatorFind how many units or sales dollars you need to cover costs.Open →Freelance Rate CalculatorCalculate your freelance hourly rate from income goals and billable hours.Open →Day Rate CalculatorConvert your hourly rate to a day rate and estimate annual revenue.Open →Project Rate CalculatorPrice a freelance project from estimated hours, rate, and risk buffer.Open →Cash Flow Forecast CalculatorProject your ending cash balance and see if you run out of cash.Open →ROI CalculatorCalculate ROI percentage and annualized return on any investment.Open →Loan Repayment CalculatorCalculate monthly payment, total interest, and total cost of a loan.Open →Business Loan CalculatorCalculate monthly payment, total interest, and total cost for business loans.Open →Working Capital CalculatorCalculate working capital and working capital ratio from assets and liabilities.Open →Runway CalculatorSee how many months your cash will last at your current burn rate.Open →Restaurant Profit Margin CalculatorCalculate profit margin and markup on menu items for your restaurant.Open →Consulting Hourly Rate CalculatorCalculate your consulting rate with scope adjustment for different project types.Open →Ecommerce Profit Margin CalculatorCalculate profit margin including product cost, shipping, and marketplace fees.Open →Selling Price CalculatorCalculate selling price from cost and target profit margin.Open →Product Pricing CalculatorCalculate suggested selling price that covers cost, shipping, fees, and profit.Open →Service Pricing CalculatorPrice a service project from your hourly rate, estimated time, and expenses.Open →Target Profit CalculatorCalculate required revenue to reach your target profit after tax.Open →Discount Margin CalculatorSee how discounts affect your profit margin and break-even volume.Open →Etsy Profit CalculatorCalculate net profit and real margin after Etsy fees.Open →Shopify Profit CalculatorCalculate net profit and annualized profit after Shopify fees and subscription.Open →COGS Calculator — Cost of Goods SoldCalculate COGS and per-unit cost from materials, labor, and overhead expenses.Open →Employee Cost Calculator — True Cost of HiringCalculate total employment cost including salary, taxes, benefits, and overhead.Open →Business Valuation Calculator — Estimate Your Business WorthEstimate your business value using revenue and profit multiples based on industry benchmarks.Open →Retainer Pricing Calculator — Monthly Retainer FeeSet a fair monthly retainer fee based on committed hours, scope, and client relationship.Open →Payback Period Calculator — Break-Even TimeCalculate how many months or years to recover an initial investment from net returns.Open →Inventory Turnover CalculatorCalculate how many times you sell through your inventory each year and average days to sell.Open →Customer Lifetime Value Calculator — LTVCalculate how much a typical customer is worth over their entire relationship with your business.Open →1099 Tax Calculator — Self-Employment Tax EstimatorEstimate self-employment tax, a rough quarterly reserve, and take-home pay as a 1099 contractor.Open →Customer Acquisition Cost (CAC) Calculator — CAC & LTV:CAC RatioCalculate CAC, LTV, and LTV:CAC ratio to measure how efficiently you acquire and retain customers.Open →Churn Rate CalculatorMeasure your SaaS churn rate and revenue impact with built-in formula and industry benchmarks.Open →ARR CalculatorProject your annual run rate from MRR, with growth simulation and churn adjustment.Open →Depreciation CalculatorCompare annual depreciation across straight-line, double declining balance, and sum-of-years methods.Open →Double Declining Balance Depreciation CalculatorCalculate DDB depreciation, rate, first-year deduction, and ending book value.Open →Depreciation Rate CalculatorFind annual depreciation rate and expense from cost, salvage value, and useful life.Open →Credit Card Processing Fee CalculatorCalculate credit card processing fees and net revenue from transactions.Open →Late Payment Fee CalculatorCalculate late payment fees on overdue invoices using flat fee or percentage methods.Open →Sales Commission CalculatorCalculate sales commissions based on rate and tier structure.Open →W-2 vs 1099 Cost CalculatorCompare total compensation: W-2 salary + benefits vs 1099 contractor pay after taxes.Open →Quarterly Estimated Tax CalculatorEstimate a rough quarterly tax reserve and review the major limitations.Open →Buy vs. Lease Equipment CalculatorCompare 5-year cost: buying with a loan vs leasing — including tax savings from depreciation and deductions.Open →Pricing Strategy Calculator — Compare 3 ModelsCompare 3 pricing models — Cost-Plus, Competitive, and Value-Based — to find your optimal selling price.Open →Side Hustle to Full-Time CalculatorFind your freedom date: calculate savings runway, income crossover point, and when you can quit your job.Open →Annual Business Budget CalculatorPlan monthly revenue, costs, and profit for a full year with industry-specific default expense ratios.Open →Freelance Tax Deduction Calculator — Maximize Your 1099 Write-OffsEstimate home office, equipment, travel, health insurance, and retirement deductions. See tax savings with side-by-side comparison.Open →Business Expense Ratio CalculatorCompare your expense ratios against industry benchmarks to see if your costs are healthy.Open →Labor Burden CalculatorFind the fully-loaded hourly cost of an employee beyond base pay — taxes, insurance, benefits included.Open →Net to Gross CalculatorWork backward from your target take-home pay to the gross income you need to earn.Open →No Tax on Overtime CalculatorEstimate your OBBBA overtime deduction, the cap, MAGI phase-out, and the FICA you still owe.Open →No Tax on Tips CalculatorEstimate your OBBBA tips deduction, the $25,000 cap, MAGI phase-out, and the FICA you still owe.Open →1099-K Threshold CheckerFind out if you'll receive a 1099-K under the 2025 federal $20,000 + 200-transaction threshold.Open →QBI Deduction CalculatorEstimate your 20% QBI (Section 199A) deduction, the taxable-income limit, and SSTB phase-out.Open →Tiered Commission CalculatorCalculate tiered sales commissions with three progressive rate bands and base salary draw.Open →Conversion Rate CalculatorCalculate conversion rate from visitors and conversions with scenario benchmarks.Open →ROAS CalculatorCalculate revenue earned per dollar of ad spend.Open →CPC CalculatorCalculate your average cost per click from ad spend and total clicks.Open →CPM CalculatorCalculate your cost per thousand ad impressions.Open →AOV CalculatorCalculate the average value of each customer order.Open →