Free finance calculators for small businesses
Planning & Budgeting
Budgets, ROI, and the health ratios behind every plan.
Business Budget Calculator
Free small business budget calculator: allocate monthly revenue across payroll, marketing, software, and facilities: see surplus or deficit instantly.
Open calculatorROI & paybackROI Calculator
Free ROI calculator for business decisions: enter cost, monthly benefit, and time horizon to get ROI percentage, payback period, and net gain instantly.
Open calculatorLiquidityWorking Capital Calculator
Free working capital calculator: enter current assets, current liabilities, and inventory to get working capital, current ratio, and quick ratio instantly.
Open calculatorFinancial healthFinancial Ratio Calculator
Free financial ratio calculator: compute gross margin, operating margin, current ratio, debt-to-equity, and return on equity from six inputs in seconds.
Open calculatorCap tableEquity Dilution Calculator
Free equity dilution calculator: model a funding round for post-money valuation, new-investor and option-pool share, and your ownership and stake value.
Open calculatorCash & Runway
Know your burn, your runway, and next quarter’s cash position.
Cash Flow Calculator
Free cash flow calculator: enter opening cash, monthly inflows, and outflows to see net cash flow, closing cash, and a three-month projection instantly.
Open calculatorBurn rateBurn Rate Calculator
Free burn rate calculator: enter starting cash, current cash, and months elapsed to get net burn, estimated gross burn, and the runway your burn implies.
Open calculatorRunwayStartup Runway Calculator
Free startup runway calculator: enter cash balance, monthly net burn, and optional revenue growth to see months of runway and your zero-cash horizon.
Open calculatorUnit Economics
CAC, LTV, margins, and EBITDA: the math that says whether growth pays.
CAC Calculator
Free CAC calculator: divide sales and marketing spend by new customers won to get customer acquisition cost, plus CAC payback months when you add ARPU.
Open calculatorLifetime valueCustomer Lifetime Value (LTV) Calculator
Free LTV calculator: enter ARPU, gross margin, and monthly churn to get customer lifetime value, plus your LTV:CAC ratio when you add acquisition cost.
Open calculatorMarginGross Margin Calculator
Free gross margin calculator: enter revenue and COGS to get gross profit and margin percentage, with optional per-unit economics for pricing decisions.
Open calculatorEarnings powerEBITDA Calculator
Free EBITDA calculator: add interest, taxes, depreciation, and amortization back to net income to get EBITDA and EBITDA margin for your business fast.
Open calculatorSaaS metricsSaaS Metrics Calculator
Free SaaS metrics calculator: turn MRR, new MRR, and churned MRR into ARR, net new MRR, growth rate, revenue churn, ARPU, and an LTV estimate in one view.
Open calculatorRevenue & Billing
Recognize revenue correctly and get invoices paid on time.
Revenue Recognition Calculator
Free ASC 606 revenue recognition calculator: straight-line a contract over its term and see monthly revenue, recognized-to-date, and deferred balance.
Open calculatorPayment termsInvoice Due Date Calculator
Free invoice due date calculator: pick an invoice date and payment terms (Net 15, 30, 45, 60, or EOM) to get the exact due date and days remaining.
Open calculatorPeople & Compensation
Commission plans and the true employer cost of payroll.
Sales Commission Calculator
Free sales commission calculator: enter OTE, base and variable split, quota attainment, and accelerator to see base pay, variable earned, and total comp.
Open calculatorPayroll taxesEmployer Payroll Tax Calculator
Free employer payroll tax calculator: estimate Social Security, Medicare, FUTA, and state unemployment costs on top of any salary, in seconds, free.
Open calculatorNet payTake-Home Pay Calculator
Free take-home pay calculator: estimate net salary after 2025 federal tax, Social Security, Medicare, state tax, and pre-tax deductions like a 401(k).
Open calculatorPaid time offPTO Accrual Calculator
Free PTO accrual calculator: turn annual paid-time-off days into an accrual rate per pay period, with hours earned, used, and remaining year-to-date.
Open calculatorOne finance briefing a week
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In Fintra these numbers are computed from your books.
Runway, burn and the rest sit on your dashboard, worked out from your actual books instead of typed into a calculator.