Business Finance
Break-even points, startup runway, profit margins, debt payoff — the numbers that determine whether your business survives or thrives.
Every calculator below is free, runs in your browser, and is updated with 2026 tax rates and limits. No signup, no email — just your answer in seconds.
Break-Even Calculator
How many units do you need to sell to break even? This calculator tells you the exact sales volume needed to cover all fixed and variable costs — so you know if your business idea is viable.
Startup Runway Calculator
How many months can you survive before running out of money? This calculator shows your runway in months — and how many more months you gain by cutting costs or increasing revenue.
Business Profit Margin Calculator
What's your actual profit margin? This calculator shows gross, operating, and net margins — so you know exactly where your money is going and where to optimize.
Business Debt Payoff Calculator
Business debt doesn't have to keep you up at night. This calculator shows you the fastest payoff strategy — avalanche vs. snowball — with a month-by-month schedule.
SaaS Metrics Calculator
Running a SaaS business? This calculator tracks MRR, ARR, churn, LTV, CAC, and payback period — the metrics that determine whether your SaaS is investable.
Customer Acquisition Cost Calculator
How much does it cost to acquire a new customer? This calculator shows your CAC across different marketing channels — and whether you're spending profitably.
Customer Lifetime Value Calculator
How much is each customer worth to your business? This calculator shows CLV based on purchase frequency, average order value, and customer lifespan — so you know what to spend on acquisition.
Cash Flow Calculator
Is your business cash flow positive? This calculator projects your monthly cash flow — money in minus money out — to show when you'll run out of cash or when you can invest.
Business Loan Interest Calculator
How much will a business loan actually cost? This calculator shows your monthly payment, total interest, origination fees, and the effective APR — not just the stated rate.
Revenue Growth Calculator
How fast is your business growing? This calculator projects your revenue trajectory and shows how different growth rates compound over months and years.
Business Expense Ratio Calculator
Where is your money actually going? This calculator breaks down your expense ratios — COGS, operating expenses, owner compensation — to show exactly where to optimize.
Pricing Strategy Calculator
Compare cost-plus, value-based, and revenue-based pricing strategies side by side. Find the optimal price for your product based on costs, competitors, and revenue goals.
Sales Tax Calculator
Add sales tax to any price or reverse-calculate the pre-tax amount from a total. Pick your state (rates include average local taxes) or enter a custom rate — instant results for every US state.
Auto Loan Calculator
Estimate your monthly car payment, total interest, and total cost of an auto loan. Factors in down payment, trade-in, and sales tax.
Credit Card Payoff Calculator
See exactly how long it takes to pay off your credit card balance and how much interest you'll pay — and how a larger monthly payment changes the math.
Student Loan Calculator
Calculate your monthly payment, total interest, and total paid for federal or private student loans — and see if your payment fits an affordable income guideline.
Net Worth Calculator
Calculate your net worth in minutes — total assets minus total liabilities. Track it quarterly to benchmark your long-term financial progress.
Advertisement
Frequently Asked Questions
How do I calculate my break-even point?+
Break-even point (units) = Fixed costs ÷ (Price per unit − Variable cost per unit). The denominator is your contribution margin. If fixed costs are $50,000, price is $100, and variable cost is $40, you need 834 units to break even.
What is the difference between fixed and variable costs?+
Fixed costs stay the same regardless of sales: rent, salaries, insurance, loan payments. Variable costs change with each unit sold: materials, shipping, packaging, transaction fees. Knowing this split is essential for pricing, forecasting, and break-even analysis.
How do I calculate my startup runway?+
Runway (months) = Cash on hand ÷ Monthly burn rate. Monthly burn rate = Monthly expenses − Monthly revenue. If you have $100k saved, spend $15k/month, and earn $5k/month, your burn rate is $10k/month and your runway is 10 months.
What is a healthy runway for a startup?+
Aim for 12-18 months of runway minimum. 6 months is dangerously short — one bad month and you're done. 24+ months gives you breathing room to iterate and find product-market fit. Always add a 20% buffer because expenses are always higher than expected.
What is a good profit margin for a small business?+
It varies by industry. Service businesses: 15-30% net margin is healthy. Product businesses: 5-20%. Retail: 2-10%. SaaS: 20-40%. If your margin is below the industry average, you're either underpricing or overspending.
What is the difference between gross, operating, and net margin?+
Gross margin = (Revenue − Cost of goods sold) ÷ Revenue. Operating margin = (Revenue − COGS − Operating expenses) ÷ Revenue. Net margin = Net income ÷ Revenue. Gross shows product profitability. Operating shows business efficiency. Net shows bottom-line health.
Why Use Business Finance?
Break-even points, startup runway, profit margins, debt payoff — the numbers that determine whether your business survives or thrives. Every calculator is free, runs in your browser, and stores no data. Get instant, actionable results with detailed breakdowns and explanations.
Browse All Calculators