Finance Tools & Calculators
Free finance calculators and decision guides for loans, recurring revenue, valuation, cash flow, investment returns and business funding scenarios.
Browse finance toolsUse the directory below to compare related tools in one place. Each resource has its own focused page with task-specific instructions, assumptions, limitations and related links.
All finance resources
35 tools and guides are currently grouped in this category.
Mortgage Calculator
Estimate mortgage principal, interest, taxes, insurance and HOA costs from editable assumptions.
Loan Calculator
Estimate monthly payment, total paid and interest for a fixed-rate amortizing loan.
Auto Loan Calculator
Estimate vehicle financing from price, trade-in, down payment, tax, fees, APR and term.
Compound Interest Calculator
Project future value from a starting balance, monthly contributions, rate and time.
Investment Calculator
Model a long-term investment balance after contributions, an assumed return and annual fees.
Retirement Calculator
Project retirement savings, inflation-adjusted value and an illustrative first-year withdrawal.
Business Loan Calculator
Estimate monthly payments, interest and origination fees for a fixed-rate business loan.
Business Loan Refinance Calculator
Compare an existing business loan with a hypothetical refinance and estimate payment and lifetime cost changes.
Debt-to-Income Calculator
Calculate housing and total debt-to-income ratios from gross monthly income and debt payments.
SaaS Revenue-Based Financing vs Venture Debt Breakdown
Compare revenue-based financing and venture debt for SaaS companies, including repayment mechanics, covenants, dilution and cash-flow fit.
How to Calculate Equipment Leasing Interest Rates for Warehouses
Understand lease factor, implied rate, total lease cost, residual value and effective financing cost for warehouse equipment.
Merchant Cash Advance (MCA) Consolidators Matrix
Compare MCA consolidation structures, payoff mechanics, daily or weekly withdrawals, lien issues and total cost before refinancing expensive advances.
Step-by-Step Guide to Getting a Commercial Real Estate Bridge Loan
A practical bridge-loan process for commercial real estate, from sources and uses through DSCR, LTV, exit strategy, due diligence and closing.
Unsecured Business Lines of Credit for New LLCs (No Revenue)
Learn what lenders usually evaluate when a new LLC has little or no operating history, and how to compare guarantees, limits, fees and draw terms.
SBA 7(a) Loan Documentation Checklist for First-Time Founders
Prepare for an SBA 7(a) application with a lender-focused checklist covering ownership, financials, debt, use of proceeds and common supporting records.
Commercial Mortgage Refinance Payment Estimator
Compare an existing commercial mortgage with a refinance using payment, closing cost, LTV, DSCR and break-even estimates.
Crypto Capital Gains Tax & Staking Rewards Calculator
Model crypto capital gains and staking-reward tax scenarios with user-entered basis, proceeds and tax-rate assumptions.
Freelancer Estimated Quarterly Tax Withholding Tool
Estimate annual and quarterly tax reserves from freelance profit, other income, user-entered tax rates, withholding and credits.
Employee Stock Options (ISO/NSO) Valuation Calculator
Model vested options, exercise cost, spread and hypothetical exit value for ISO or NSO scenarios with user-entered tax assumptions.
Invoice Factoring Cost Calculator
Estimate factoring fees, advance proceeds, reserve and effective financing cost from invoice amount, advance rate and fee structure.
Merchant Cash Advance APR Equivalent Calculator
Estimate an approximate annualized borrowing cost for a merchant cash advance from funded amount, payback amount and repayment duration.
Equipment Lease vs Buy Calculator
Compare the total modeled cash cost of leasing equipment with financing a purchase using editable terms, residual value and fees.
Commercial DSCR Calculator
Calculate debt service coverage ratio from annual net operating income and annual principal-and-interest debt service.
Working Capital Calculator
Calculate net working capital and current ratio from cash, receivables, inventory, current assets and current liabilities.
Cash Conversion Cycle Calculator
Calculate DIO, DSO, DPO and cash conversion cycle from inventory, receivables, payables, sales and cost of goods sold.
Accounts Receivable DSO Calculator
Calculate days sales outstanding from accounts receivable and credit sales to monitor collection speed and working capital.
Inventory Turnover Calculator
Calculate inventory turnover and days inventory on hand from cost of goods sold and average inventory.
Deferred Revenue Schedule Calculator
Create a simple monthly deferred-revenue recognition schedule from an upfront contract value, service term and start month.
Commercial Mortgage Balloon Payment Calculator
Estimate monthly debt service, remaining balance and balloon payment for a commercial mortgage with a shorter maturity than amortization.
SBA Loan Payment & Fee Calculator
Estimate a business loan payment, total interest and financed upfront fee using editable rate, term and fee assumptions.
Business Valuation EBITDA Multiple Calculator
Estimate enterprise value and equity value from EBITDA, valuation multiple, debt and cash assumptions.
Discounted Cash Flow Valuation Calculator
Estimate present value from projected free cash flow, discount rate, terminal growth and forecast period.
Net Present Value (NPV) Calculator
Calculate net present value from an initial investment, equal periodic cash flow, discount rate and project term.
Internal Rate of Return (IRR) Calculator
Estimate IRR for a simple investment with an initial outflow and equal periodic inflows using iterative root finding.
WACC Calculator
Calculate weighted average cost of capital from debt, equity, cost of debt, cost of equity and tax rate.
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