Finance

Budget Variance NEW

Calculate budget variance in dollars and percentage, and determine whether the variance is favorable or unfavorable for revenue or expense lines.

Business Loan NEW

Calculate monthly payment, total interest, and total cost of a business loan — model SBA loans, term loans, and lines of credit with standard amortization.

Cash Conversion Cycle NEW

Calculate Days Inventory Outstanding, Days Sales Outstanding, and Days Payable Outstanding — and combine them into the Cash Conversion Cycle to measure working capital efficiency.

Cash Flow (OCF) NEW

Calculate Operating Cash Flow (OCF) from net income, depreciation, and working capital — plus free cash flow and cash conversion ratio.

COGS NEW

Calculate Cost of Goods Sold (COGS) from inventory and purchases, then compute gross profit and gross margin.

Current Ratio NEW

Calculate current ratio, quick ratio, and cash ratio to measure your business's short-term liquidity.

Debt-to-Equity NEW

Calculate debt-to-equity ratio, equity ratio, and financial leverage from your balance sheet figures.

DSCR NEW

Calculate Debt Service Coverage Ratio and find the maximum loan your cash flow can support.

DSO Calculator

Calculate Days Sales Outstanding to measure how quickly you collect accounts receivable and how much cash is tied up in unpaid invoices.

EBITDA Calculator NEW

Calculate EBITDA from revenue, COGS, and operating expenses — plus EBITDA margin, EBIT after depreciation, and implied valuation at a given EBITDA multiple.

FCF NEW

Calculate free cash flow (operating cash flow minus capital expenditures), FCF margin, and FCF yield — the metric investors use to assess true cash generation.

Financial Ratios NEW

Calculate six key financial ratios in one dashboard — profitability, liquidity, leverage, and efficiency from a single balance sheet and income statement.

Gross Profit NEW

Calculate gross profit, gross margin %, and markup from revenue and COGS — with industry benchmark guidance.

Invoice Discount NEW

Calculate early payment discount savings, net payment amount, and the annualized cost of passing on a 2/10 net 30 discount.

IRR Calculator NEW

Calculate the Internal Rate of Return (IRR) for any series of cash flows — evaluates the profitability of investments, projects, and business decisions.

MIRR Calculator NEW

Calculate Modified Internal Rate of Return — a more accurate investment return metric that corrects IRR's reinvestment rate assumption.

Net Profit NEW

Calculate gross profit, operating income, and net profit with full margin breakdown from revenue through taxes.

NPV NEW

Calculate net present value from an initial investment and up to 5 years of cash flows — includes profitability index and simple payback period.

Operating Leverage NEW

Calculate your degree of operating leverage (DOL) — how much a percentage change in revenue amplifies your operating income.

Payback Period NEW

Calculate payback period in years and months — simple and discounted — to determine how long until an investment breaks even and starts generating net returns.

Revenue Growth Rate NEW

Calculate year-over-year revenue growth rate, multi-year CAGR, and Rule of 40 score for SaaS and business performance tracking.

ROA Calculator NEW

Calculate Return on Assets (ROA) and decompose it into net margin and asset turnover using the DuPont framework.

ROE Calculator

Calculate Return on Equity to measure how efficiently a company generates profit from shareholders' capital investment.

Rule of 72 NEW

Use the Rule of 72 to estimate how long it takes to double your money at a given annual return rate — and find the rate needed to double by a target date.

TIE Ratio NEW

Calculate the Times Interest Earned (TIE) ratio to measure how comfortably your EBIT covers annual interest payments.

WACC Calculator NEW

Calculate Weighted Average Cost of Capital — the blended rate a company must earn on its assets to satisfy all capital providers, equity and debt.

Working Capital NEW

Calculate working capital, current ratio, and quick ratio from your balance sheet — the core liquidity metrics for measuring a business's short-term financial health.