Financial Calculators – Business

Please try our wide variety of interactive financial problem solvers. Simply enter your criteria and you’ll get your questions answered with dynamic graphs and personalized reports.

Calculators > Business

Breakeven Analysis Calculator

The break-even analysis calculator is designed to demonstrate how many units of your product must be sold to make a profit. Hit “View Report” to see a detailed look at the profit generated at each sales volume level.

Business Debt Consolidation Calculator

Should you consolidate your debt? This calculator is designed to help determine if debt consolidation is right for you. Fill in your loan amounts, credit card or credit line balances and other outstanding debt. You can then see what your monthly payment would be with a consolidated loan.

Business Valuation – Discounted Cash Flow Calculator

Business valuation is typically based on three major methods: the income approach, the asset approach and the market (comparable sales) approach. Among the income approaches is the discounted cash flow methodology calculating the net present value (‘NPV’) of future cash flows for an enterprise. As an alternative to the more abbreviated income capitalization approach, this methodology is more relevant where future operating conditions and cash flows are variable or not projected to be materially consistent with current performance levels. By changing any value in the following form fields, calculated values are immediately provided for displayed output values. Click the view report button to see all of your results.

Cash Flow Calculator

Having adequate cash flow is essential to keep your business running. If you run out of available cash, you run the risk of not being able to meet your current obligations such as your payroll, accounts payable and loan payments. Use this calculator to help you determine the cash flow generated by your business.

Commercial Loan Calculator

Use this calculator to estimate your debt service coverage with a new commercial loan. If your debt service coverage is greater than 1.25, including your new loan payment, you have a good chance of being approved.

Contribution Margin Approach to Cost-Volume-Profit Analysis

This chart enables you to visualize the components of costs and revenue from a Contribution Margin point of view. In this view, the difference between the selling price and the variable cost of each successive unit sold is allocated to the payment of fixed costs until these costs are fully paid. Thereafter, the difference from each unit contributes to the profit. By changing any value in the following form fields, calculated values are immediately provided for displayed output values. Click the view report button to see all of your results.

Debt Service Coverage Calculator

While several factors are considered in commercial loan underwriting, debt service coverage is primary among them and indicates a borrower’s capacity to service a requested loan. This tool calculates debt service and illustrates how debt service coverage ratios are impacted by changing income and capital assumptions.

Equipment Buy vs. Lease Calculator

Should you lease or buy? Use this calculator to find out! We calculate monthly payments and your total net cost. By comparing these amounts, you can determine which is the better value for you.

Financial Ratios Calculator

This calculator is designed to show you 10 different financial ratios. Financial ratios are used as indicators that allow you to zero in on areas of your business that may need attention such as solvency, liquidity, operational efficiency and profitability.

Inventory Analysis Calculator

This calculator helps you determine how much inventory you should hold, and when you should place inventory orders. The calculation attempts to keep your inventory level as efficient as possible, while maintaining adequate safety stock.

Like Kind Exchange Calculator

If you exchange either business or investment property that is of the same nature or character, the IRS won’t recognize it as a gain or loss. This calculator is designed to calculate recognized loss, gains and the basis for your newly received property.

Like Kind Tax Deferred Exchange Calculator

If you exchange either business or investment property that is of the same nature or character, the IRS won’t recognize it as a gain or loss. This calculator is designed to calculate and recognized loss, gains and the basis for a tax-deferred like kind exchange.

Profit Margin Calculator

This calculator can help you determine the selling price for your products to achieve a desired profit margin. By entering the wholesale cost, and either the markup or gross margin percentage, we calculate the required selling price and gross margin. Enter up to 10 products and press the “View Report” button for a printable version of the results.

Repossession of Personal Property from a Deferred Payment Sale Calculator

If you have repossessed personal property from a deferred payment sale, you can use this calculator to determine the gain or loss. This includes the reportable gain or loss after repossession costs are taken into account.

Repossession of Personal Property from an Installment Payment Sale Calculator

If you have repossessed personal property with installment payments, you can use this calculator to determine the gain or loss. This includes the reportable gain or loss after repossession costs are taken into account.

Repossession of Real Property Calculator

If you have repossessed real property, you can use this calculator to determine the gain or loss as well as its new basis. This includes the reportable gain or loss after repossession costs are taken into account.

Working Capital Needs Calculator

Your working capital is used to pay short-term obligations such as your accounts payable and buying inventory. If your working capital dips too low, you risk running out of cash. Even very profitable businesses can run into trouble if they lose the ability to meet their short-term obligations. The calculator assists you in determining working capital needs for the next year.

What Are The Tax Savings Of A Qualified Retirement/Cafeteria Plan?

Implementation of a Qualified Plan and/or Section 125 Cafeteria Plan can result in significant tax savings and benefits to both the employer and employee. 

What Are My New Business Startup Costs?

Before you launch a new venture, you should take the time to estimate the total capital that will be needed. Startup costs are divided into two main categories: one-time startup costs and recurring monthly expenses. Depending on when you expect to receive payments for your goods and services, it may be wise to begin with several months of working capital. 

Should I Pay Or Charge Monthly, Quarterly Or Annually?

Use this APR calculator to help determine whether it makes sense financially for you to pay your creditors and/or bill your customers either monthly, quarterly or semi-annually. 

What Is The Value Of My Business?

Similar to bond or real estate valuations, the value of a business can be expressed as the present value of expected future earnings. 

What Are My Business Financial Ratios?

A regular review of your company’s financial ratios can help you focus on areas that may need improvement. Liquidity, efficiency, and profitability ratios, compared with other businesses in your industry, can highlight any strengths and weaknesses you might have over your competition. 

What Is My Employee Total Compensation Package Worth?

Your employees may be surprised to find out how much is paid out in other benefits in addition to their salaries. The employer has both required and discretionary payments that it makes on behalf of the employee. 

What Are My Tax Savings With Section 179 Deduction?

Section 179 of the IRS tax code gives businesses the opportunity to deduct the FULL purchase price of qualifying new and used equipment, and software placed into service during the tax year they were purchased or financed. This tax break encourages small businesses to invest in themselves and to purchase equipment sooner rather than later. There are some limits, however, to the amount that can be written off. Use this calculator to help determine your Section 179 write off amount and the tax savings it might generate for you.