Business Planning Calculators
Three tools for strategic planning: forecast your cash runway, evaluate investment returns, and model loan repayments before committing capital.
The planning workflow
Cash flowForecast your monthly cash balance and runway.
ROIEvaluate whether an investment is worth the cost.
Loan repaymentModel monthly payments and total loan cost.
Planning calculator index
Model the cash, capital, and operating decisions that shape your next move.
Cash Flow Forecast CalculatorProject your ending cash balance and see if you run out of cash.Open calculatorROI CalculatorCalculate ROI percentage and annualized return on any investment.Open calculatorLoan Repayment CalculatorCalculate monthly payment, total interest, and total cost of a loan.Open calculatorBusiness Loan CalculatorCalculate monthly payment, total interest, and total cost for business loans.Open calculatorWorking Capital CalculatorCalculate working capital and working capital ratio from assets and liabilities.Open calculatorRunway CalculatorSee how many months your cash will last at your current burn rate.Open calculatorEmployee Cost Calculator — True Cost of HiringCalculate total employment cost including salary, taxes, benefits, and overhead.Open calculatorW-2 vs 1099 Cost CalculatorCompare total compensation: W-2 salary + benefits vs 1099 contractor pay after taxes.Open calculatorQuarterly Estimated Tax CalculatorEstimate a rough quarterly tax reserve and review the major limitations.Open calculatorBuy vs. Lease Equipment CalculatorCompare 5-year cost: buying with a loan vs leasing — including tax savings from depreciation and deductions.Open calculatorAnnual Business Budget CalculatorPlan monthly revenue, costs, and profit for a full year with industry-specific default expense ratios.Open calculatorBusiness Expense Ratio CalculatorCompare your expense ratios against industry benchmarks to see if your costs are healthy.Open calculatorLabor Burden CalculatorFind the fully-loaded hourly cost of an employee beyond base pay — taxes, insurance, benefits included.Open calculator
Who these calculators are for
- Small business owners planning cash reserves and growth investments.
- Entrepreneurs evaluating whether to take a loan or self-fund a purchase.
- Operators comparing ROI across different investment options — equipment, marketing, or hiring.