Business planning
Business Planning Calculators
Three tools for strategic planning: forecast your cash runway, evaluate investment returns, and model loan repayments before committing capital.
The planning workflow
Forecast your monthly cash balance and runway.
Evaluate whether an investment is worth the cost.
Model monthly payments and total loan cost.
Cash Flow Forecast Calculator
Project your ending cash balance and see if you run out of cash.
ROI Calculator
Calculate ROI percentage and annualized return on any investment.
Loan Repayment Calculator
Calculate monthly payment, total interest, and total cost of a loan.
Business Loan Calculator
Calculate monthly payment, total interest, and total cost for business loans.
Working Capital Calculator
Calculate working capital and working capital ratio from assets and liabilities.
Runway Calculator
See how many months your cash will last at your current burn rate.
Employee Cost Calculator — True Cost of Hiring
Calculate total employment cost including salary, taxes, benefits, and overhead.
W-2 vs 1099 Cost Calculator
Compare total compensation: W-2 salary + benefits vs 1099 contractor pay after taxes.
Quarterly Estimated Tax Calculator
Estimate your quarterly tax payments as a freelancer or self-employed individual.
Buy vs. Lease Equipment Calculator
Compare 5-year cost: buying with a loan vs leasing — including tax savings from depreciation and deductions.
Annual Business Budget Calculator
Plan monthly revenue, costs, and profit for a full year with industry-specific default expense ratios.
Business Expense Ratio Calculator
Compare your expense ratios against industry benchmarks to see if your costs are healthy.
Labor Burden Calculator
Find the fully-loaded hourly cost of an employee beyond base pay — taxes, insurance, benefits included.
Who these calculators are for
- Small business owners planning cash reserves and growth investments.
- Entrepreneurs evaluating whether to take a loan or self-fund a purchase.
- Operators comparing ROI across different investment options — equipment, marketing, or hiring.