All Free Business Calculators

Payments 4 tools · 26 guide sections

Fee Comparison

Compare Stripe, PayPal, and Shopify Payments fees side by side — enter any sale amount and see the exact net payout for each processor instantly.

PayPal Fees

Calculate exactly how much PayPal takes per transaction and what you actually receive, for any payment type.

Shopify Fees

Calculate Shopify processing fees and transaction fees for any plan — with and without Shopify Payments.

Stripe Fees

Calculate exactly how much Stripe takes and what you actually receive, for any charge amount and card type.

SaaS Growth Metrics 15 tools · 47 guide sections

ARPU Calculator NEW

Calculate Average Revenue Per User (ARPU) from MRR and active users — the core SaaS pricing metric for benchmarking, forecasting, and identifying pricing opportunities.

ARR Calculator NEW

Convert MRR to Annual Recurring Revenue, calculate YoY growth against last year's ARR, and project ARR 12 and 24 months out at a given monthly growth rate.

ARR Growth Rate NEW

Calculate your Annual Recurring Revenue growth rate, T2D3 trajectory, and years to reach your ARR target.

ARR ↔ MRR

Instantly convert between Monthly Recurring Revenue and Annual Recurring Revenue, plus daily and weekly breakdowns.

Burn by Department NEW

Break down monthly cash burn by department — engineering, sales, marketing, G&A — and see which teams are consuming the most runway.

Burn Multiple NEW

Calculate your burn multiple — net cash burn divided by net new ARR — the capital efficiency metric VCs use to evaluate how efficiently you're converting spending into growth.

Magic Number NEW

Calculate your SaaS Magic Number — net new ARR divided by prior quarter S&M spend — to measure how efficiently your go-to-market converts sales investment into revenue.

MRR Calculator

Calculate monthly recurring revenue, annual recurring revenue and MRR growth rate from your subscriber plan mix.

Quick Ratio NEW

Calculate your SaaS Quick Ratio — growth MRR divided by lost MRR — to measure whether your business is growing efficiently or just replacing churn.

Revenue Growth NEW

Calculate MoM, QoQ, and YoY revenue growth rates, CAGR, and time-to-double to benchmark your startup's trajectory.

Revenue/Employee NEW

Benchmark your ARR per FTE against SaaS industry quartiles — and calculate the revenue or headcount needed to hit a target efficiency ratio.

Rule of 40

Calculate your SaaS Rule of 40 score — the sum of revenue growth rate and profit margin that investors use to benchmark health.

Run Rate NEW

Calculate annual revenue run rate from any period's revenue — project ARR from Q1 earnings, monthly revenue, or partial-year figures with optional growth rate compounding.

Runway Calculator

Calculate how many months of runway you have left, your burn rate, and when you need to raise or break even.

Unit Economics NEW

The complete SaaS unit economics dashboard: CAC payback, LTV:CAC ratio, gross margin, and magic number in one place, for a full efficiency review.

SaaS Retention Metrics 14 tools · 47 guide sections

CAC by Channel

Break down Customer Acquisition Cost by marketing channel to find which channels are most efficient and where to shift budget.

CAC Calculator NEW

Calculate blended Customer Acquisition Cost from ad spend, sales payroll, and tools — plus CAC payback period, and your LTV:CAC ratio if you already know your LTV.

CAC Payback NEW

Calculate how many months it takes to recover your customer acquisition cost. One of the key unit economics metrics VCs check before investing.

Churn Impact

See exactly how monthly churn erodes your MRR over 12 months and what reducing churn by 1% is worth.

Churn Revenue Loss NEW

Forecast monthly and annual revenue lost to churn — and the MRR needed to break even.

Cohort Churn

Analyze cohort retention, calculate LTV from churn rate, and project how many customers remain after any number of months.

Concentration Risk NEW

Calculate customer concentration risk — % revenue from top customers, Herfindahl-Hirschman Index (HHI), and single-customer exposure — a key due diligence metric.

GRR Calculator NEW

Calculate Gross Revenue Retention (GRR) from starting MRR, churn, and contraction — excluding expansion to isolate pure retention.

Health Score NEW

Score your SaaS customers by usage, engagement, and NPS to predict churn risk and identify expansion opportunities.

LTV & CAC

The fastest way to get your LTV:CAC ratio — enter ARPU, margin, churn, and spend once and get both LTV and CAC together, without filling in two separate calculators.

LTV Calculator NEW

Calculate Customer Lifetime Value (LTV), LTV:CAC ratio, and CAC payback period from your ARPU, gross margin, and monthly churn rate.

NPS Score

Calculate your Net Promoter Score from promoter, passive, and detractor counts — with benchmark context.

NRR Calculator NEW

Calculate Net Revenue Retention and Gross Revenue Retention from starting MRR, expansion, contraction, and churn — the core SaaS retention health metric.

Retention Rate NEW

Calculate customer retention rate, churn rate, and implied LTV from your period start, end, and new customer counts.

Freelance 4 tools · 10 guide sections

Freelance Rate

Calculate the minimum hourly rate you need to charge to hit your income target, accounting for taxes, expenses and non-billable time.

Invoice Calculator

Build and total an invoice with multiple line items, discount, and tax — then copy the full breakdown with one click.

Project Estimate

Calculate a client-ready project quote from your hourly rate, time estimate, and contingency buffer.

Salary to Hourly

Convert annual salary to hourly, daily and weekly rates — including after-tax take-home for common US tax brackets.

Pricing & Margins 16 tools · 45 guide sections

% Change NEW

Calculate percentage change, absolute change, and CAGR between any two values.

Break-Even

Find how many units or customers you need to cover fixed costs, and calculate your break-even revenue.

Break-Even Revenue NEW

Calculate the exact revenue needed to cover your fixed costs given your contribution margin — plus safety margin when you enter current revenue.

Contribution Margin

Calculate unit contribution margin, CM ratio, and the exact number of units needed to break even or hit a profit target.

Discount Calculator NEW

Calculate sale price, discount amount, or reverse-calculate the discount percentage from any original price — plus margin impact after discount.

Gross Margin NEW

Calculate gross margin %, gross profit, and markup from revenue and COGS — plus the revenue needed to hit any target margin.

Inventory Turnover NEW

Calculate inventory turnover ratio (COGS ÷ average inventory), days sales of inventory (DSI), and sell-through rate — the core metrics for inventory health.

Markup NEW

Calculate markup percentage, gross margin, and gross profit from cost and selling price — and understand the difference.

Price Elasticity NEW

Calculate how a price change affects demand and revenue based on price elasticity — see whether raising your price will increase or decrease total revenue.

Price Impact

See how a price increase affects your MRR and calculate the minimum retention rate needed to break even on a pricing change.

Price Per Unit NEW

Calculate and compare price per unit for different package sizes or supplier quotes to find the best value option.

Profit Margin

Calculate gross profit, gross margin %, net profit and net margin % from revenue and cost inputs.

SaaS Pricing NEW

Calculate optimal SaaS pricing tiers based on your costs, target margin, and willingness-to-pay — with monthly and annual plan analysis.

Segment Margin

Compare gross margin and gross profit across up to 4 product lines or business segments side by side.

Tier Comparison

Compare 2–3 SaaS pricing tiers and find which tier maximizes revenue at different conversion rates — before you commit to a pricing page.

Weighted Average NEW

Calculate weighted averages for grades, prices, rates, or any metrics — see each component's contribution to the overall result instantly.

Marketing 9 tools · 27 guide sections

AOV Calculator NEW

Calculate average order value (AOV), revenue per visitor, and the revenue impact of raising your AOV.

Conversion Rate NEW

Calculate your website conversion rate and model the exact revenue impact of improving it — for any funnel stage, from visitor to paid customer.

Email ROI

Calculate the revenue, ROI, and cost per conversion for any email campaign — from list size through opens, clicks, and conversions.

List Growth Rate NEW

Calculate your email list growth rate, monthly decay, and how many new subscribers you need to reach your target list size.

Revenue per Lead NEW

Calculate revenue per lead (RPL) by channel — compare marketing channel profitability, cost per lead vs revenue generated, and leads needed to hit revenue targets.

ROAS Calculator NEW

Calculate Return on Ad Spend (ROAS), breakeven ROAS from your gross margin, and target ROAS for any profit goal — for Google Ads, Meta, or any paid channel.

Sales Funnel NEW

Model your full sales funnel — from leads to closed revenue — and find your weakest conversion stage.

Sales Quota

Calculate how many deals, leads, and pipeline you need to hit your annual revenue target based on ACV and close rate.

Sales Velocity NEW

Calculate sales velocity — the revenue your pipeline generates per day — from opportunities, win rate, ACV, and sales cycle length.

Finance 14 tools · 37 guide sections

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.

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.

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.

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.

Net Profit NEW

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

Operating Leverage NEW

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

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.

TIE Ratio NEW

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

Cash Flow 7 tools · 22 guide sections

Budget Variance NEW

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

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.

DSO Calculator

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

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.

Invoice Discount NEW

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

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.

Investment & Returns 7 tools · 18 guide sections

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.

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.

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.

ROI Calculator NEW

Calculate return on investment (ROI), annualized ROI, net profit, and break-even period for any business investment, marketing campaign, or capital allocation decision.

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.

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.

Valuation 7 tools · 19 guide sections

DCF Calculator NEW

Calculate the present value of future cash flows using your discount rate — get intrinsic value, NPV, and terminal value in seconds.

EBITDA Multiple NEW

Estimate enterprise value and equity value using EV/EBITDA and EV/Revenue multiples.

Enterprise Value NEW

Calculate Enterprise Value (EV) and key acquisition multiples — EV/EBITDA and EV/Revenue — from market cap, debt, and cash.

Equity Dilution NEW

Model how a funding round dilutes founder and investor ownership — calculate post-money valuation, new shares issued, and your diluted ownership percentage.

P/E Ratio NEW

Calculate trailing and forward P/E ratios, earnings yield, and PEG ratio to assess stock valuation relative to earnings.

P/S Ratio

Calculate P/S ratio, implied valuation at any multiple, and growth-adjusted P/S for startup and SaaS company comparisons.

TAM/SAM/SOM NEW

Calculate Total Addressable Market (TAM), Serviceable Addressable Market (SAM), and Serviceable Obtainable Market (SOM) for investor presentations and market sizing.

Tax & Compliance 3 tools · 8 guide sections

Freelance Tax

Estimate your annual self-employment tax, federal income tax, and quarterly estimated payments as a freelancer or independent contractor.

Payroll Tax NEW

Estimate employer payroll taxes — FICA (Social Security + Medicare), FUTA, and total employment cost — for any employee salary in the US.

VAT Calculator

Add or remove VAT / sales tax at any rate. Switch between countries or enter a custom rate.