Every business and household runs on a few recurring financial questions: is it worth it, how long will the cash last, what should we charge, and are we saving enough? These calculators answer them with the same rigor as the professional tools on this site.
They suit founders, small-business owners, consultants and individuals planning their own finances.
The 13 calculators
ROI Calculator
Calculate the return on an investment, including any income received, and annualize it for comparison across holding periods.
Cash Runway & Burn Rate
Estimate how long cash will last at current and projected burn rates, and when the balance will run out.
Customer LTV & CAC Calculator
Assess unit economics: customer lifetime value, customer acquisition cost, the LTV-to-CAC ratio and months to recover acquisition spend.
Pricing Calculator
Set a cost-plus price that covers variable and allocated fixed costs at your planned volume, and see the resulting profit and break-even volume.
Compound Interest & Savings Goal
Project the growth of savings with regular monthly contributions, and calculate the monthly deposit required to reach a savings goal.
Mortgage & Affordability Calculator
Estimate the full monthly housing payment, test debt-to-income ratios, and find the maximum home price under the 28/36 guideline.
SaaS Metrics Calculator
Build the monthly recurring revenue bridge and calculate the subscription metrics investors track: ARR, net and gross revenue retention, customer churn, SaaS quick ratio and the Rule of 40.
Employee Cost & Billable Hourly Rate Calculator
Turn salary into the true cost of an employee per paid, productive and billable hour, then set the hourly billing rate needed to reach a target profit margin.
Inventory EOQ & Reorder Point Calculator
Find the order quantity that minimizes ordering and holding costs, the reorder point that covers lead-time demand, and the safety stock for a target service level.
Retirement Planner
Project savings to retirement, estimate the nest egg needed to fund inflation-adjusted income through your planning age, and calculate any additional annual saving required.
Inflation & Real Return Calculator
Convert a nominal return into its real, inflation-adjusted equivalent, include taxes, and see how inflation erodes purchasing power over time.
Percentage & Currency Calculator
Everyday percentage and currency math in one place: percent change, what percent one number is of another, increases and decreases, reverse percentages, percentage points, shares of a total and currency conversion with fees.
Fiscal Calendar & Business Days Calculator
Count calendar and business days between two dates excluding weekends and holidays, identify the fiscal year, quarter and period for any fiscal year-end, and list working days by fiscal month.
Choosing the right calculator
- Running a business: track Cash Runway & Burn Rate, unit economics with the LTV & CAC Calculator, and recurring revenue with the SaaS Metrics Calculator.
- Pricing and costs: set prices with the Pricing Calculator, billing rates with the Employee Cost & Hourly Rate Calculator, and inventory policy with EOQ & Reorder Point.
- Personal finance: plan with the Compound Interest, Retirement Planner, Mortgage & Affordability and Inflation & Real Return calculators.
- Everyday math: use the ROI, Percentage & Currency, and Business Days & Fiscal Calendar calculators.
Frequently asked questions
What is a good return on investment?
It depends on risk and time. Compare the annualized return with the return available on investments of similar risk; a project should earn more than the cost of the capital used to fund it.
How much cash runway should a startup have?
Many venture-backed companies aim for 18 to 24 months of runway after raising capital and begin the next raise with 9 to 12 months remaining, since fundraising often takes six months or longer.
Are personal finance results adjusted for inflation and taxes?
Where it matters, yes: the Retirement Planner grows spending with inflation and the Inflation & Real Return Calculator handles taxes. Other results are stated before tax, as noted on each page.
More calculator categories
- FP&A Calculators: Budgeting, variance analysis, forecasting, scenario planning, scorecards and cost allocation.
- Corporate Finance Calculators: Capital budgeting, cost of capital, valuation, buyouts, bonds, debt capacity and financial health.
- Accounting Calculators: Depreciation, leases, revenue recognition, deferred taxes, reconciliations, reserves and audit planning.
- Statistics & Forecasting Calculators: Descriptive statistics, regression, smoothing forecasts, hypothesis tests, simulation and process control.
- Healthcare Finance Calculators: Liquidity, revenue cycle, volume, acuity, staffing, profitability and covenant measures for hospitals and health systems.