Calculators
Decision-support tools for sizing, cost, capacity, runtime, ownership, and other practical planning questions.
Estimate how many units a business must sell to cover its fixed costs, using the selling price and variable cost per unit you provide. This is a basic operating worksheet and excludes taxes, financing, and other costs not entered.
Estimate monthly net cash burn and the number of months until cash runs out using starting cash, monthly cash inflows, and monthly cash outflows. This is a simplified planning estimate based on constant monthly amounts.
Estimate an illustrative small-business value by multiplying annual seller's discretionary earnings by a user-selected earnings multiple. This simplified model does not account for debt, cash, working capital, or transaction-specific terms.
Estimate total caregiver travel spending by multiplying the cost of one trip by the number of trips. Enter the same per-trip dollar amount for each trip; this simple estimate does not add lodging, time, or other separate expenses unless included in your trip cost.
Estimate net cash flow and ending cash for one reporting period from cash receipts, cash payments, and starting cash. This worksheet uses the totals you enter and does not forecast future periods.
Estimate monthly clinic supply costs by multiplying units per order by cost per unit and orders per month. This simple planning estimate assumes the same quantity and unit cost for each order and excludes shipping, taxes, and other expenses.
Estimate the insurer and policyholder shares of an amount you have already determined is subject to coinsurance. This worksheet does not determine deductibles, eligible expenses, coverage, or policy limits.
Calculate the combined ratio from supplied incurred losses, expenses, and earned premium for the same currency and period.
Estimate gross commission from sales using a commission rate and an optional fixed base amount. This simple estimate does not account for taxes, deductions, or plan-specific rules.
Calculate contribution margin per unit and its percentage from a unit selling price and variable cost. This transparent arithmetic model assumes both amounts use the same currency and refer to the same product or service unit.
Calculate cost of goods sold from beginning inventory, inventory purchases, and ending inventory using the standard inventory accounting formula. Enter all amounts in the same currency and accounting period.
Estimate revenue-based customer lifetime value as average monthly revenue per customer × gross margin × expected customer lifespan in months. This simple model assumes the supplied averages remain representative and does not account for acquisition costs, discounting, or changes in customer behavior.
Estimate the total scheduled disability benefit by multiplying a monthly benefit amount by the number of benefit months. This simple estimate assumes the monthly amount remains constant for the full duration and does not account for policy terms, offsets, taxes, waiting periods, or changes in eligibility.
Calculate the one-period discount rate implied by a future cash flow and its present value. Enter both amounts in the same currency. The calculation assumes one period and does not account for fees, taxes, or changing cash flows.
Estimate earnings before interest, taxes, depreciation, and amortization by adding those expenses back to net income. Enter amounts for one reporting period in the same currency; this arithmetic estimate does not replace financial statement review.
Estimate the share of your total income represented by the total tax amount you enter. This simple ratio is for planning and comparison, not tax filing or tax advice.
Estimate an employee's annual employer cost from annual salary, employer-paid benefits, payroll taxes and contributions, and other recurring employer costs. Enter your own amounts and rates; the estimate does not determine legal obligations.
Estimate the remaining annual healthcare flexible spending account contributions after accounting for what you have already elected and contributed. This is a planning worksheet based on your own figures and does not determine plan eligibility, tax treatment, or reimbursement rules.
Estimate a baseline hourly rate from your annual income target, yearly business expenses, planned billable hours, working weeks, and a reserve percentage. The result is a planning estimate based on the figures you enter.
Estimate an illustrative annual home insurance premium from dwelling coverage, personal property coverage, selected home characteristics, and a deductible. This worksheet uses transparent assumptions and is not a quote.
Estimate an illustrative insurance claim payout by subtracting your deductible and any other documented reductions from the covered loss amount. This simple estimate does not determine coverage or predict an insurer's decision.
Estimate gross insurance commission from premium, commission rate, policy count, and an optional adjustment factor. This is a simple illustration and does not account for contract terms, taxes, or agency splits.
Estimate the total listed value of a group of household or business contents by multiplying the value per item by the number of items. The estimate assumes each item has the same value and does not assess coverage, depreciation, or replacement cost.
Estimate the insurer's share of a covered claim after subtracting the deductible. This simple estimate assumes the covered loss is at least as large as the deductible.
Calculate the incurred loss ratio as claims incurred divided by earned premiums, expressed as a percentage. Enter both amounts for the same period and basis.
Estimate monthly staff workload in minutes by multiplying the average minutes spent processing each renewal by the number of renewals per month.
Estimate inventory turnover for a reporting period by dividing cost of goods sold by average inventory value, calculated from beginning and ending inventory. Enter all amounts in the same currency.
Estimate the difference between a desired life insurance coverage amount and existing coverage. This simple subtraction model uses the amounts you enter and does not determine how much coverage is appropriate.
Estimate the dollars needed to replace a chosen number of years of annual income. This simple estimate multiplies annual income by replacement years and does not account for taxes, inflation, existing assets, debts, or policy costs.
Estimate the monthly payment and total interest for a fixed-rate loan from its principal, annual interest rate, and term in whole months. This estimate excludes fees and does not generate a payment schedule.
Estimate a selling price and markup percentage from a unit cost and target markup. This cost-plus model assumes the entered markup is applied to cost and excludes taxes, fees, discounts, and other adjustments.
Estimate the review hours per reviewer required for a set of microinsurance claims using the claim count, average minutes per claim, and number of reviewers.
Estimate monthly claim-handling workload in minutes by multiplying average minutes per claim by claims received per month.
Estimate a field travel budget by multiplying travel cost per visit by visits per week and the number of weeks. Enter costs and visit counts in consistent units; the estimate excludes other operating expenses.
Estimate total enrollment by multiplying the number of people in each group by the number of groups. This planning estimate assumes every group has the same size and each person is counted once.
Estimate the present value of three annual net cash flows after subtracting an initial outlay, using the annual discount rate you enter.
Estimate net profit by subtracting operating expenses, interest, taxes, and other expenses from total revenue. Enter all amounts for the same reporting period and currency.
Compare the value of a chosen business use of funds with the estimated value of the best alternative over the same period. Enter each option's expected net value after direct costs. The result is the alternative value minus the chosen value, so a positive result means the alternative is higher by that amount. This is a simplified estimate based on your inputs, not a forecast or financial recommendation.
Calculate the discount amount and final price from an original price and a percentage discount. Enter the price in your chosen currency; the result uses that same currency.
Estimate a unit selling price by combining direct materials, labor, allocated overhead, and a chosen markup. This worksheet-style estimate does not calculate an insurance premium or replace actuarial pricing.
Calculate gross profit margin from revenue and cost of goods sold. Enter amounts in the same currency to see the share of revenue remaining after direct costs.
Estimate a home's structure replacement cost from its area, local rebuild cost per square foot, and selected finish and complexity factors. This worksheet excludes land, contents, debris removal, and other project-specific costs unless reflected in your inputs.
Estimate simple ROI as a percentage from a business investment's initial cost and total value received. Enter amounts in the same currency and use the same period for both figures.
Calculate the percentage change in revenue between two periods from the revenue recorded in each period. The result is a historical growth rate and does not forecast future revenue.
Estimate commission from eligible sales using a flat rate plus an optional rate adjustment. Enter the sale amount, the portion eligible for commission, and the base and adjustment rates. The result is a planning estimate based on these inputs.
Estimate sales tax and the total purchase cost from a taxable amount and a sales tax rate you provide. This calculator performs arithmetic only and does not determine which items are taxable or what rate applies.
Estimate the fixed monthly principal and interest payment for an SBA loan using the loan amount, annual interest rate, and repayment term. This is a planning estimate, not an offer or eligibility determination, and excludes fees and other loan costs.
Estimate the monthly principal-and-interest payment on a fixed-rate small business loan using the amount borrowed, annual interest rate, and repayment term.
Calculate VAT from an amount and a user-entered VAT rate. Choose whether the amount is before VAT or already includes VAT to see the VAT amount and the corresponding net or gross total.
Estimate working capital by subtracting current liabilities from current assets. Enter amounts in the same currency and use the result as a snapshot based on the figures you provide.