All calculators / Business finance
Financial calculators for small businesses
For owners planning loans, equipment and growth. Compare loan payments, depreciate assets, value a business, check the ratios a lender looks at, run rental-property numbers and see the filing fees for forming an LLC in each state.
Most used
Compound Interest CalculatorSee how a starting amount and monthly deposits grow with compound interest, with the final balance, total interest and a year-by-year table. Add a monthly withdrawal to see what is left and the year the money runs out.Savings CalculatorWork out how much to save each month to reach a savings goal by a set month, or how long your monthly deposit takes to get there. It works for a personal emergency fund and for a business cash reserve; interest is added at the APY your bank quotes.Future Value CalculatorWhat money saved today, plus regular payments, will be worth in the future at a given interest rate.APY CalculatorTurn a stated interest rate into the annual percentage yield (APY) and see the interest a savings account or CD pays on your deposit.APR CalculatorThe true APR of a business loan once up-front fees are counted, so you can compare financing offers on equal terms.Loan Payoff CalculatorSee how much faster you pay off a loan with extra monthly payments or a lump sum, how many months you cut and how much interest you save.
More business finance tools, A–Z
Accounts Receivable Turnover CalculatorYour accounts receivable turnover: how many times a year you collect average receivables, and how many days customers take to pay.Adjusted EBITDA CalculatorTurn net income into EBITDA, add back owner pay above market and one-time costs, and value the business at your multiple.Amortization Schedule CalculatorSee the monthly payment and how each payment splits between interest and principal, month by month for the first year and then year by year.Balloon Payment CalculatorYour monthly payment and the lump sum still owed when a balloon loan comes due, on principal-and-interest or interest-only terms.Burn Rate & Runway CalculatorHow fast your business spends cash, and how many months the money in the bank will last at the current pace.Business Line of Credit CalculatorEstimate the monthly payment and interest on what you've drawn from a business line of credit, and how much credit is still available.Business Loan CalculatorThe monthly payment, total interest and full cost of a business term loan, including any origination fee.Business Valuation CalculatorA rough value range for a small business, from its SDE or EBITDA times a low and high multiple; a quick estimate, not an appraisal.CAGR CalculatorThe steady yearly growth rate that takes a starting value to an ending value, for revenue, customers or an investment.Cap Rate CalculatorA property's net operating income and cap rate, or what it's worth at the cap rate you want to buy at.Cash Conversion Cycle CalculatorYour cash conversion cycle (DIO + DSO − DPO) and the dollar cash gap it creates, so you know how much working capital to keep.Cash Flow CalculatorMoney in minus money out for one month of your business: net cash flow, ending cash and how long the cash lasts.CD CalculatorSee what a certificate of deposit (CD) is worth at maturity: enter the deposit, the APY or rate from the bank's offer, the compounding and the term in months. It also shows the early-withdrawal penalty if you need the cash before the term ends.Commercial Mortgage CalculatorMonthly payments on a commercial property loan, the balloon left when the term ends, and whether the rent covers the debt.Cost of Equity CalculatorThe yearly return owners expect for the risk they take, by CAPM or the dividend growth model.Current Ratio CalculatorMeasure short-term liquidity from your balance sheet: the current ratio, the stricter quick ratio, and working capital.Days Payable Outstanding (DPO) CalculatorWork out how many days you take to pay suppliers, and whether an early-payment discount like 2/10 net 30 is worth more than holding on to the cash.Debt Payoff CalculatorPlan how to pay off several debts at once: enter up to five balances with their APR and minimum payment, plus what extra you can pay each month. The calculator compares the avalanche and snowball methods and shows your debt-free date, total interest and the order to pay them.Debt-to-Equity Ratio CalculatorYour debt-to-equity ratio from balance sheet figures, using all liabilities or interest-bearing debt only, plus the debt ratio and equity multiplier.Depreciation CalculatorYearly depreciation and book value for an asset by straight line or double declining balance for your books, or by the IRS MACRS percentage table for your tax return.Discounted Cash Flow CalculatorWhat a business or project is worth today from its future free cash flows, a discount rate and a terminal value.DSCR CalculatorCheck whether income covers loan payments with the debt service coverage ratio, and see how much debt a lender's minimum DSCR allows.EBITDA CalculatorAdd interest, taxes, depreciation and amortization back to net income to get EBITDA, EBIT and the EBITDA margin.Energy Cost CalculatorWhat a piece of equipment costs to run per day, month and year, from its wattage, hours of use and your electricity rate.Equipment Loan CalculatorMonthly payment and total interest on an equipment loan after your down payment, and the full cost of the machine.Free Cash Flow CalculatorCash a business has left after paying for operations and investment, by the simple formula, FCFF or FCFE.Interest-Only Loan CalculatorThe payment during the interest-only years, the higher payment once principal kicks in, and how much extra interest the interest-only period costs.IRR CalculatorInternal rate of return on an investment from its up-front cost and up to six years of cash flows.Late Payment Interest CalculatorThe interest and late fee on an overdue invoice from the amount, the yearly rate in your terms and the number of days late.Lease vs Buy CalculatorCompare the cash cost of leasing equipment with buying it on a loan over the same term, counting what you can sell it for at the end.Line of Credit vs Loan CalculatorCompare a term loan with a line of credit for the same need. See the monthly payments and total interest and fees for each, and how much of the line you can use before the loan becomes cheaper.LLC Cost CalculatorHow much does it cost to start an LLC? The state filing fee runs from $35 to $500 (median $100), and most states add an annual or biennial report fee or tax. Pick your state to see the checked fees and your total over the first few years.Loan to Value CalculatorThe share of a property's value you borrow against, with combined LTV for second loans and the most a lender's limit allows.Net 30 Due Date CalculatorFind the due date for Net 15, 30, 45, 60 or 90 invoice terms, and what an early-payment discount like 2/10 net 30 is worth as a yearly rate.Net Income CalculatorYour business's net income and net profit margin from revenue, costs, interest and tax.NPV CalculatorNet present value of an investment from its up-front cost, a discount rate and up to six years of cash flows.Payback Period CalculatorYears until an investment earns back its cost, with and without discounting future cash.Present Value CalculatorWhat a future amount or a stream of payments is worth in today's dollars at your discount rate.Price per Square Foot CalculatorWork out the price per square foot of a home, a rental or a contractor's quote, compare up to three side by side and see what each would cost at the same rate.Property Management Fee CalculatorWhat a property manager will cost you per year: the monthly fee on rent collected, plus leasing, renewal, flat and repair-markup fees, shown as a share of your rent.Prorated Rent CalculatorRent for a partial month when a tenant moves in or out mid-month, by the daily, 30-day or 365-day method.Rate of Return CalculatorTotal and annualized rate of return on an investment, counting both the change in value and any income it paid.Real Estate Commission CalculatorSee the total commission on a home sale, how it splits between the listing and buyer's agents and their brokers, and what the seller nets.Rent Increase CalculatorSee the new rent from a percentage or dollar increase, what it adds per year, and whether it clears a local cap.Rent Receipt TemplateA printable rent receipt with the tenant, property, rent period, amount and payment method laid out. Edit the example and download a PDF.Rental Property Cash Flow CalculatorCheck a rental's monthly cash flow, NOI, cap rate and cash-on-cash return from rent, expenses and the mortgage.SBA 504 Loan CalculatorSplit an SBA 504 project into the bank loan, the CDC loan and your down payment, and see each monthly payment.SBA Loan CalculatorMonthly payment, total interest and the upfront guarantee fee on an SBA 7(a) loan.Section 179 CalculatorYour Section 179 deduction and tax savings on business equipment, with the deduction limit and phase-out applied.Seller Net Sheet CalculatorEstimate what a home seller walks away with after the loan payoff, commission, closing costs and buyer credits.Simple Interest CalculatorSimple interest on a loan or deposit from the principal, yearly rate and time in years, months or days.Time Value of Money CalculatorSolve any time value of money problem: enter four of N, interest rate, present value, payment and future value, and the calculator finds the fifth, just like the TVM keys on a financial calculator. Use it for savings plans, loan payments, the price of a future sum today or the rate a deal really pays.Vehicle Depreciation CalculatorEstimate what a car, van or truck will be worth after each year you own it, from its price and a yearly decline rate.WACC CalculatorYour weighted average cost of capital from the mix of debt and equity, their costs and your tax rate.Year-over-Year Growth CalculatorPercentage growth between two years of revenue, sales or any other figure, and the average yearly rate over longer spans.
LLC cost by state
- Alabama$200
- Alaska$250
- Arizona$50
- Arkansas$45
- California$70
- Colorado$50
- Connecticut$120
- Delaware$110
- District of Columbia$99
- Florida$125
- Georgia$110
- Hawaii$50
- Idaho$100
- Illinois$150
- Indiana$95
- Iowa$50
- Kansas$85
- Kentucky$40
- Louisiana$125
- Maine$175
- Maryland$100
- Massachusetts$500
- Michigan$50
- Minnesota$135
- Mississippi$50
- Missouri$50
- Montana$35
- Nebraska$100
- Nevada$75
- New Hampshire$100
- New Jersey$100
- New Mexico$50
- New York$200
- North Carolina$125
- North Dakota$135
- Ohio$99
- Oklahoma$100
- Oregon$100
- Pennsylvania$125
- Rhode Island$150
- South Carolina$110
- South Dakota$150
- Tennessee$300
- Texas$300
- Utah$59
- Vermont$155
- Virginia$100
- Washington$180
- West Virginia$100
- Wisconsin$130
- Wyoming$100
Filing fee to form an LLC, checked on each state's official site.