Business
Calculators and generators for running a business — pricing, payroll, cash flow, customer metrics, operations.
Business Math
Break-even, margin, markup, ROI, NPV — the core unit-economics math every founder needs.
Gross Margin Calculator
Calculate gross profit and gross margin % from revenue and COGS. Also shows the equivalent markup percentage.
Markup Calculator
Set your selling price from cost based on desired markup OR desired margin. Shows price, profit, and the relationship between markup and margin.
Return on Investment (ROI) Calculator
Calculate total ROI and annualised ROI (CAGR) from initial investment, final value and years held.
Net Present Value (NPV) Calculator
NPV from an initial investment, discount rate and a multi-year cash flow schedule. Verdict on whether the investment beats the hurdle rate.
Break-Even Point Calculator
Calculate the units and revenue needed to cover fixed costs. Enter fixed costs, unit price and variable cost per unit.
Cash Flow
Cash forecast, working capital, AR/AP aging, DSO/DPO — short-term cash planning.
DSO & DPO Calculator
Days Sales Outstanding and Days Payables Outstanding. Plus the cash conversion gap (DSO − DPO).
Working Capital & Liquidity Ratios
Calculate working capital, current ratio, quick (acid-test) ratio, and cash ratio.
Accounts Receivable Aging Analysis
Categorise AR into 0-30 / 31-60 / 61-90 / 90+ buckets. Spot collection problems.
Accounts Payable Aging Analysis
Track payables by aging bucket. Stretching beyond 45 days risks supplier relationships.
13-Week Cash Flow Forecast
Project 13 weeks of cash flow from opening balance + weekly inflow/outflow. See lowest balance.
Customer Metrics
CAC, LTV, payback period, ROAS, cohort retention — the unit-economics dashboard.
CAC — Customer Acquisition Cost Calculator
Fully-loaded CAC: all marketing + sales costs ÷ new customers acquired.
LTV Calculator (Customer Lifetime Value)
SaaS LTV: ARPU × gross margin × (1 / churn). Always use gross margin, not revenue.
CAC Payback Period Calculator
Months to recover the cost of acquiring a customer. Healthy SaaS: under 12 months.
Cohort Retention Calculator
Track customers from a cohort through month 1, 3, 6, 12. M12 retention = the LTV driver.
ROAS Calculator (Return on Ad Spend)
Revenue ÷ ad spend = ROAS. Plus ROI % and profit/loss.
HR & Payroll
PTO accrual, salary raises, severance, overtime, total comp — the people-side calculations.
PTO Accrual Calculator
Convert annual PTO days into per-pay-period hour accruals. Supports weekly / biweekly / semi-monthly / monthly cycles.
Salary Raise Calculator (Real vs Nominal)
Calculate new salary after a % raise, plus the real gain after inflation. Spot stealth pay cuts.
Severance Pay Estimator
Estimate severance based on years of service, weeks-per-year, and a maximum cap. For US/UK/India patterns.
Overtime Pay Calculator (1.5× / 2×)
Calculate gross weekly pay including regular hours, overtime at 1.5×, and double-time at 2× (Sunday / holiday).
Total Compensation Builder
Combine base + bonus + equity (vesting-adjusted) + sign-on + benefits into a single year-1 and steady-state TC number.
Invoicing & Quoting
Generate invoices and quotes, calculate late fees, plan recurring billing.
Free Quote Generator
Generate professional quotes / estimates with line items and tax. Identical to an invoice, just labeled "Quote".
Payment Terms Calculator (2/10 Net 30, Etc.)
Calculate early-payment discounts. Enter invoice amount, discount %, discount window and net window — see your true APR.
Recurring Invoice / Subscription Planner
Plan recurring billing — frequency, duration, loyalty discount. Outputs gross, net, annualised value.
Free Invoice Generator
Build a printable invoice in 30 seconds — line items, tax, totals, copyable text output. No signup.
Late Fee / Interest Calculator
Calculate late fees on overdue invoices — % per month, flat fee per month overdue, or a combination of both.
Operations
Burn rate, runway, MRR/ARR, churn, NPS — the operational metrics investors actually look at.
Startup Runway Calculator
How many months of runway do you have? Plus calendar date when cash runs out.
MRR / ARR Movement Calculator
Calculate Net New MRR (new + expansion − contraction − churn). Plus annualised ARR.
Net Promoter Score (NPS) Calculator
Calculate NPS from promoter / passive / detractor counts. Plus benchmark band.
Churn Rate Calculator (Customer + MRR)
Calculate customer churn rate, gross MRR churn, and net MRR churn (with expansion offset).
Burn Rate Calculator (Startup)
Calculate gross and net monthly burn rate from operating expenses and revenue.
Pricing & Sales
SaaS tier builder, bundle pricing, commission math, discount calculation, win-rate tracking.
SaaS Tiered Pricing Builder (3-Tier)
Build the classic 3-tier SaaS pricing card — Starter / Pro / Business — with monthly + annual price math and feature lists.
Bundle Pricing Calculator
Combine 2+ products into a bundle with a single discount. Shows individual sum, savings, bundle price.
Sales Commission Calculator (Flat or Tiered)
Calculate sales-rep commissions — flat % of revenue or tiered (different rates above threshold breakpoints).
Discount Percentage Calculator
Calculate the % off and absolute savings given the original price and the sale price.
Sales Win Rate Calculator
Calculate conversion rates across the sales funnel — leads → opportunities → closed-won — plus total revenue generated.
Productivity
Meeting cost, business-day count, FTE math, team capacity, contractor-vs-employee comparisons.
Meeting Cost Calculator
Cost of a meeting = attendee salaries × duration. Make the price of bad meetings visible.
Business Days Between Two Dates
Count weekdays between two dates, minus declared public holidays.
FTE (Full-Time Equivalent) Calculator
Convert hours worked into FTEs for budgeting and headcount planning.
Team Capacity Planner
True productive hours after PTO and meeting overhead. Planning against real capacity.
Contractor vs Employee Cost Calculator
Compare true annual cost of a contractor (hourly × hours) vs an employee (salary × 1 + benefits load).
Run the numbers behind the business
Founders, finance leads and operators all face the same recurring math: price a product, forecast cash, track unit economics, plan payroll. This niche packs those calculations into focused tools so you can answer a board question or a pricing decision in minutes instead of rebuilding a spreadsheet. The coverage spans SaaS metrics, cash flow, HR/payroll and classic business math.
For SaaS and growth, the LTV Calculator and CAC Calculator reveal whether acquisition pays back, and the Churn Rate Calculator tracks the leak. For survival math, the Startup Runway Calculator and Burn Rate Calculator show how many months you have left. Day-to-day, the Free Invoice Generator and Break-Even Point Calculator get steady use.
Common business tasks here:
- Unit economics — LTV, CAC, payback period and ROAS
- Runway, burn rate and 13-week cash-flow forecasting
- Pricing — tiers, bundles, markup and gross margin
- HR & payroll — overtime, PTO accrual and severance
- Generating invoices and quotes
Free, no signup, and your figures stay in your browser.