Free Business & Financial Calculators

MCA Payoff Calculator

Find out what your MCA actually costs and how long you'll be paying it off.

MCA Offer Comparison Calculator

Put two MCA offers next to each other and see which one actually costs less.

Factor Rate to APR Converter

Turn any MCA factor rate into a real APR so you can see what you're actually paying.

Business Debt Consolidation Calculator

Find out if rolling your business debts into one loan will actually save you money.

Business Debt-to-Income Ratio Calculator

See where your business stands with lenders before you apply for anything.

Business Loan Payment Calculator

See your monthly payment, total interest, and what a business term loan will really cost you.

SBA Loan Calculator

Run the numbers on SBA 7(a), 504, and microloan programs before you apply.

Business Line of Credit Calculator

See what it actually costs to draw on a business credit line -- interest-only and full repayment.

Revenue-Based Financing Calculator

See how long repayment takes and what revenue-share financing really costs you.

Equipment Financing Calculator

See what equipment financing will cost you monthly, in total, and what ownership really runs.

Invoice Factoring Calculator

See how much cash you'll get, what the factor charges, and your net from selling invoices.

Debt Settlement Savings Calculator

See what you'd save by settling business debts for less than what you owe.

Business Bankruptcy Cost Estimator

What does filing Chapter 7 or Chapter 11 actually cost? Run the numbers here.

MCA Refinance Calculator

Find out if refinancing your MCA into a new advance with better terms actually saves money.

Business Credit Score Impact Calculator

See what settlement, consolidation, or bankruptcy would do to your credit score.

Working Capital Calculator

Check whether your business has enough cash to cover what's due in the next 12 months.

Business Valuation Estimator

Get a ballpark number for what your business is worth using three standard methods.

Cash Flow Forecast Calculator

See where your cash position will be in 6, 12, or 24 months based on real numbers.

MCA Stacking Risk Calculator

Find out how much of your daily revenue is going to MCA holdbacks -- and whether you are in the danger zone.

Debt Payoff Timeline Calculator

Pick a date to be debt-free and find out what it takes to get there.

Break-Even Calculator

Find the exact sales volume where your business starts generating profit.

Profit Margin Calculator

Calculate your gross, operating, and net margins to understand exactly where your money goes.

ROI Calculator

Measure the return on any investment and compare opportunities on equal footing.

Business Overhead Calculator

Break down your total overhead and see the true hourly cost of running your business.

Startup Cost Calculator

Estimate your total launch costs and monthly burn to plan your funding runway.

Employee Cost Calculator

Calculate the true total cost of an employee beyond their base salary.

Inventory Turnover Calculator

Measure how efficiently your business moves inventory and identify tied-up cash.

Accounts Receivable Aging Calculator

Analyze your outstanding invoices and identify collection bottlenecks by aging bucket.

Pricing Strategy Calculator

Calculate your numbers instantly.

Burn Rate Calculator

Calculate your numbers instantly.

Startup Cost Estimator

Calculate your numbers instantly.

Runway Calculator

Calculate your numbers instantly.

Funding Needs Calculator

Calculate your numbers instantly.

Franchise Cost Calculator

Calculate your numbers instantly.

Restaurant Startup Cost Calculator

Calculate your numbers instantly.

E-Commerce Profit Calculator

Calculate your numbers instantly.

Subscription MRR Calculator

Calculate your numbers instantly.

Break-Even Sales Volume Calculator

Calculate your numbers instantly.

Small Business Tax Estimator

Project your combined federal income tax, self-employment tax, and Section 199A QBI deduction as a sole proprietor, LLC, or S-corp.

Quarterly Tax Payment Calculator

Determine the correct Form 1040-ES payment for each quarter based on projected income, deductions, and safe harbor rules under IRC Section 6654.

Self-Employment Tax Calculator

Calculate Social Security and Medicare taxes on freelance and self-employment income under IRC Sections 1401-1403.

Payroll Tax Calculator

Calculate employer and employee FICA, FUTA, and withholding obligations for W-2 employees under IRC Chapter 21.

Sales Tax Calculator

Look up combined state, county, and city sales tax rates by state and calculate total tax on any purchase amount.

MACRS Depreciation Calculator

Generate year-by-year depreciation schedules using the Modified Accelerated Cost Recovery System under IRC Section 168.

Section 179 Deduction Calculator

Determine how much of your business equipment purchase you can expense immediately under IRC Section 179 instead of depreciating over multiple years.

Home Office Deduction Calculator

Compare the IRS simplified method ($5/sq ft) against the regular method to determine which yields a larger deduction under IRC Section 280A.

Mileage Deduction Calculator

Compare the IRS standard mileage rate versus the actual expense method to determine which yields a larger deduction for business driving.

Capital Gains Tax Calculator

Estimate federal tax on investment profits including the 0%/15%/20% long-term rates and the 3.8% Net Investment Income Tax under IRC Section 1411.

Commercial Rent Calculator

Calculate monthly and annual commercial lease costs based on square footage, price per square foot, lease type, CAM charges, and annual escalation clauses.

Cap Rate Calculator

Determine the capitalization rate of a commercial property by dividing net operating income by purchase price, and estimate the gross rent multiplier.

Net Operating Income (NOI) Calculator

Calculate a commercial property's net operating income by subtracting vacancy loss and operating expenses from gross rental income.

Debt Service Coverage Ratio (DSCR) Calculator

Determine whether a commercial property's net operating income sufficiently covers its debt obligations, the key metric lenders use for loan qualification.

Commercial Mortgage Calculator

Calculate commercial loan payments, maximum loan amount based on LTV, and the balloon payment due at the end of the loan term with amortization beyond the term.

Triple Net (NNN) Lease Calculator

Break down the full cost of a triple net lease by calculating base rent plus property taxes, insurance, and CAM charges separately.

Commercial Real Estate ROI Calculator

Calculate total investment returns including cash-on-cash yield, ROI, equity build-up, and appreciation for leveraged commercial property investments.

Tenant Improvement (TI) Allowance Calculator

Calculate your tenant improvement budget, out-of-pocket costs beyond the landlord allowance, and the amortized cost per month over your lease term.

Lease vs. Buy Commercial Space Calculator

Compare the total cost of leasing commercial space versus purchasing, factoring in monthly payments, opportunity cost, appreciation, tax benefits, and equity build-up.

Property Tax Estimator

Estimate annual and monthly property tax obligations based on assessed value, local mill rate, and applicable exemptions for commercial real estate.

Salary to Hourly Calculator

Convert annual salary to hourly, monthly, and biweekly pay — instantly see what your time is actually worth.

Overtime Cost Calculator

Calculate weekly and annual overtime costs for your team — and see when hiring a new employee is cheaper than paying OT.

Employee Turnover Cost Calculator

Quantify the true cost of losing an employee — from recruiting and training to lost productivity.

Employee Benefits Cost Calculator

Calculate total benefits cost per employee and across your workforce — health, dental, vision, retirement, and more.

Contractor vs. Employee Cost Calculator

Compare the true all-in cost of hiring a W-2 employee versus a 1099 independent contractor for the same role.

Sales Commission Calculator

Calculate total compensation from base salary, commission rate, and sales volume for any commission structure.

Hiring Budget Calculator

Budget the full cost of filling positions — recruiting, onboarding, equipment, training, and first-year compensation.

Workers' Compensation Calculator

Estimate your workers' comp premium based on payroll, classification rate, and experience modification factor.

PTO Cost Calculator

Calculate the true annual cost of your paid time off policy across your entire workforce.

Payroll Budget Calculator

Build a complete payroll budget across multiple positions — salaries, headcount, benefits, and employer taxes.

Marketing ROI Calculator

Calculate the return on investment for any marketing campaign — see exactly how much profit each dollar of spend generates.

CPC & ROAS Calculator

Calculate cost per click, cost per acquisition, and return on ad spend for paid advertising campaigns.

Email Marketing ROI Calculator

Calculate the revenue and ROI from email campaigns based on list size, engagement rates, and average order value.

Social Media Ad Budget Calculator

Plan your social media advertising budget and forecast impressions, clicks, and reach based on daily spend and CPM.

Content Marketing ROI Calculator

Calculate the compounding return on content investment — from production cost to organic traffic to revenue.

Lead Generation Calculator

Model your lead funnel from website visitors to revenue — see how conversion rates at each stage compound into business results.

Customer Retention Calculator

Calculate your retention rate, churn rate, and the revenue impact of improving customer retention by even a few percentage points.

SEO ROI Calculator

Calculate the return on your SEO investment by modeling organic traffic, conversion rates, and the equivalent paid ad value.

Trade Show ROI Calculator

Calculate the full cost and expected return from trade show and conference attendance — booth, travel, staff time, and lead value.

Referral Program ROI Calculator

Model the customer acquisition impact and ROI of a referral program — from referral rates to new customers to lifetime value.

Business Insurance Cost Calculator

Estimate annual premiums for general liability, professional liability, workers' comp, cyber, and more based on your industry, revenue, and headcount.

Contract Value Calculator

Calculate the total lifetime value of a recurring contract including escalation clauses, one-time fees, and year-by-year breakdowns.

Litigation Cost Estimator

Estimate the full cost of civil litigation from demand letter through trial, including attorney fees, discovery, experts, and court costs.

Compliance Cost Calculator

Estimate annual regulatory compliance costs based on your employee count, industry, and applicable regulations.

Partnership Buyout Calculator

Calculate the buyout price, monthly installment payments, and total cost of buying out a departing business partner.

IP Valuation Calculator

Estimate the present value of intellectual property assets using a discounted cash flow model based on IP-attributable revenue.

Non-Compete Value Calculator

Estimate the financial value of a non-compete agreement based on revenue at risk, enforcement probability, and duration.

Attorney Fee Calculator

Compare hourly, flat-fee, retainer, and contingency billing structures side by side to find the most cost-effective arrangement for your legal matter.

Regulatory Fine Calculator

Estimate potential fines and penalties by regulatory agency, violation type, severity, and company size using published penalty schedules.

Business License Cost Calculator

Calculate the total cost of business licenses, permits, and registrations by state, business type, and number of locations.

Loan Comparison Calculator

Compare up to three loan offers side by side -- monthly payment, total interest, and total cost -- to identify the best deal.

Lease Payment Calculator

Calculate monthly lease payments for equipment or vehicles and compare the total cost of leasing vs. buying outright.

Inflation Impact Calculator

See how inflation erodes your purchasing power over time. Calculate the future equivalent cost of today's dollars.

Currency Conversion Calculator

Convert between currencies using illustrative exchange rates. Useful for quick business planning and international pricing estimates.

Business Tip Calculator

Calculate tips for business meals and events with customizable quality ratings, bill splitting, and expense reporting totals.

Percentage Calculator

Three-in-one: find a percentage of a number, find what percentage one number is of another, and calculate percentage change.

Time Value of Money Calculator

Calculate present value, future value, or required payment for any financial scenario involving the time value of money.

Amortization Schedule Calculator

Generate a complete payment-by-payment schedule showing how each installment splits between principal and interest.

Debt Snowball Calculator

Enter multiple debts and see the optimal payoff order, total months to debt-free, and interest savings from extra monthly payments.

Compound Interest Calculator

See the power of compound interest and how your investments grow over time.

Debt Payoff Calculator

See exactly how long it will take to become debt-free and how much interest you can save with extra payments.

Debt Consolidation Calculator

Compare your current payments to a single consolidated loan and see how much you could save each month.

Debt-to-Income Ratio Calculator

Calculate your DTI ratio to understand your borrowing capacity and financial health.

Credit Card Payoff Calculator

Find out how long it takes to pay off credit card debt and how much interest you will pay.

Personal Loan Calculator

Estimate your monthly payment, total interest, and total cost for a personal loan.

Mortgage Calculator

Estimate your monthly mortgage payment including principal, interest, taxes, and insurance.

Auto Loan Calculator

Calculate your monthly car payment and total loan cost before you visit the dealership.

Student Loan Calculator

Plan your student loan repayment with monthly payment estimates and total cost projections.

Savings Goal Calculator

Calculate how much you need to save each month to reach your financial goal on time.

Retirement Calculator

Estimate how much you need to save for a comfortable retirement and whether you are on track.

Investment Growth Calculator

Project how your investments will grow over time with regular contributions and compound returns.

Budget Calculator (50/30/20)

Apply the popular 50/30/20 budgeting rule to your income and see exactly how to allocate every dollar.

Net Worth Calculator

Calculate your net worth by totaling your assets and subtracting your liabilities.

Cost of Living Calculator

Compare the cost of living between two locations to plan a relocation or salary negotiation.

Rent vs. Buy Calculator

Compare the long-term financial impact of renting versus buying a home.

Broker Commission Calculator

Calculate your gross and net commission on any MCA deal after revenue splits.

ISO Residual Income Calculator

Project monthly, annual, and 5-year residual income from your merchant processing portfolio.

Deal Profit Analyzer

Break down total profit per MCA deal including upfront commission, buy/sell spread, and monthly residual.

Portfolio Valuation Calculator

Estimate the sale value of your residual portfolio based on monthly income, attrition, and market multiples.

Split Comparison Calculator

Compare compensation structures across three funders to find the best total deal for your business.

Revenue Projection Calculator

Project your brokerage revenue over time based on deal flow, growth rate, and commission structure.

Clawback Risk Calculator

Estimate your expected clawback exposure based on deal volume, default rates, and clawback periods.

Renewal Commission Calculator

Project income from merchant renewals factoring in decay rates and portfolio aging.

Tiered Commission Calculator

Calculate commission earnings across volume-based tier structures with escalating rates.

Bonus Threshold Calculator

Track progress toward funder volume bonuses and calculate the value of hitting each tier.

Deal Sizing Calculator

Estimate the maximum MCA funding amount based on merchant revenue, time in business, and industry.

Stacking Analysis Calculator

Analyze the risk and capacity for stacking additional MCA positions on an existing merchant.

Payback Period Calculator

Calculate exactly how long it takes a merchant to repay an MCA based on holdback percentage and daily revenue.

Merchant Qualification Calculator

Score merchant qualification across deposits, credit, industry, and position count to estimate approval tier and max offer.

UCC Lien Impact Calculator

Assess how existing UCC filings affect new MCA funding options, rates, and position priority.

Deal Structuring Calculator

Find the optimal funding amount, factor rate, and term to maximize merchant affordability and your commission.

Factor Rate Pricing Calculator

Calculate minimum, target, and premium factor rates based on risk tier, term, and cost of capital.

Split Funding Calculator

Structure multi-funder deals when a single funder cannot cover the full merchant need.

RTR Calculator

Calculate total Revenue to Receive, daily payment, and repayment timeline for any MCA deal.

Merchant Cash Flow Analysis

Model merchant cash flow after MCA payments to verify deal sustainability.

APR Disclosure Calculator

Convert MCA factor rates to APR, simple interest rate, and finance charge for state compliance disclosures.

State Licensing Cost Calculator

Estimate the costs of obtaining and maintaining commercial lending or broker licenses across multiple states.

Truth-in-Lending Calculator

Generate TILA-style disclosure metrics for commercial financing transactions.

Usury Rate Checker

Check whether a financing rate exceeds state usury limits for the applicable loan type.

Fee Disclosure Generator

Calculate all fees on an MCA deal and generate a merchant-facing disclosure breakdown.

COJ Risk Calculator

Assess the legal risk of Confession of Judgment clauses based on merchant and funder state combinations.

Audit Readiness Calculator

Score your brokerage compliance readiness for regulatory audits based on documentation, training, and operations.

Regulatory Change Impact Calculator

Model how proposed or enacted state regulations affect your MCA portfolio economics.

Complaint Ratio Calculator

Track your merchant complaint ratio against industry benchmarks and regulatory thresholds.

Licensing ROI Calculator

Calculate the return on investment for obtaining state commercial financing licenses.

Funder Comparison Calculator

Compare three funders across max offer, factor rates, commission, residual, and funding speed.

Advance Speed Value Calculator

Quantify the economic value of faster funding to help merchants weigh speed versus cost.

Syndication Profit Calculator

Calculate investment, return, and profit for MCA syndication participants.

Default Rate Impact Calculator

Model how merchant default rates affect portfolio yield, losses, and net returns.

Funder Portfolio Diversification Calculator

Assess concentration risk across your funder relationships using HHI analysis.

White-Label Pricing Calculator

Calculate profitability of white-label funding platforms based on fees, volume, and markup.

Same-Day Funding Premium Calculator

Calculate the exact cost difference between same-day and standard funding timelines.

Funder Reliability Scorer

Score funders on operational reliability metrics including funding speed, approval rate, and support.

Renewal Rate Optimizer

Model the revenue impact of improving your merchant renewal capture rate.

Buyout vs. Renewal Calculator

Compare the economics of renewing with the current funder versus buying out to a new funder.

Portfolio Performance Dashboard

Track key portfolio metrics: collection rate, default rate, ROI, and deal composition.

Attrition Rate Calculator

Track merchant attrition and project its impact on your residual income and portfolio value.

Portfolio Yield Calculator

Calculate actual and annualized yield on your MCA investment portfolio.

Collection Efficiency Calculator

Measure how effectively your portfolio is collecting against expected repayment schedules.

Merchant Lifetime Value (ISO)

Calculate the total value of a merchant relationship across initial deal, renewals, and residual income.

Risk-Adjusted Return Calculator

Calculate expected return on MCA deals adjusted for default probability and recovery rates.

Seasonal Adjustment Calculator

Model how seasonal revenue fluctuations affect MCA payments and merchant cash flow across 12 months.

Portfolio Concentration Calculator

Analyze industry and geographic concentration risk in your MCA portfolio using HHI metrics.

Vintage Analysis Calculator

Track deal performance by funding cohort to identify trends in underwriting quality over time.

Stress Test Calculator

Model portfolio performance under adverse scenarios: doubled defaults, tripled defaults, and economic contraction.