Business & Startup Finance

Essential financial tools for entrepreneurs, startups, and small businesses. Plan your business finances with confidence.

Our business and startup finance calculators help entrepreneurs and small business owners make informed financial decisions. From break-even analysis to profitability planning, each tool provides clear insights to guide your business strategy. You might also find our Track business net worth, Calculate self-employment taxes, Understand investment timing risk, Plan employee benefits (529), Time and date tools, Plan dividend distributions, Compare retirement account options and Find your tax bracket helpful for related calculations.

Business & Startup Finance Guide

Last updated: February 6, 2026

•Calculate how many units you need to sell to cover fixed and variable costs (break-even)
•Figure out your gross, operating, and net profit margins
•Estimate how long your cash will last at current burn rate (runway)
•Compare customer lifetime value (LTV) against acquisition cost (CAC)
•Track monthly and annual recurring revenue with churn impact (MRR/ARR)
•Model tiered pricing plans to see revenue at different customer mixes
•Determine the right markup to achieve your target margin
•Evaluate investment opportunities with NPV and payback period

•Break-even assumes fixed costs stay constant and variable costs scale linearly with units.
•Margin calculations use the revenue and cost figures you provide—garbage in, garbage out.
•Runway estimates assume burn rate remains steady; hiring or pivots will change it.
•LTV projections depend on accurate churn and margin data for your customer base.
•NPV calculations require a discount rate that reflects your cost of capital or opportunity cost.
•All results are planning estimates—real performance depends on execution and market conditions.

If you need to know when you'll cover costs→Break-Even Point Calculator
If you want to understand your margins→Gross, Operating & Net Margin Calculator
If you're setting product prices→Pricing Markup vs Margin Calculator
If you run a subscription business→SaaS MRR / ARR & Churn Calculator
If you need to forecast runway→Cash Burn Rate & Runway Calculator
If you're analyzing customer economics→LTV / CAC Ratio Calculator
If you're evaluating an investment or project→Simple DCF / NPV Investment Evaluator
If you're hiring and want to know true cost→Employee Cost to Company (CTC) Calculator
If you're deciding between contractor and employee→Contractor vs Employee Cost Comparison

•Confusing revenue with profit—high sales mean nothing if margins are negative.
•Forgetting to include cost of goods sold (COGS) when calculating gross margin.
•Ignoring churn when forecasting recurring revenue—small leaks sink ships over time.
•Using a 12-month runway projection but not updating it as spending changes.
•Mixing up markup (percentage of cost) with margin (percentage of price).
•Assuming customer acquisition cost (CAC) will stay flat as you scale—often it rises.
•Projecting growth without accounting for increased infrastructure or headcount costs.
•Using overly optimistic revenue forecasts to justify expenses—stay grounded in data.

✓All calculators provide educational estimates, not professional financial, tax, or legal advice.
✓Results depend on the assumptions you enter—double-check your inputs.
✓We don't sell or share personal data. Calculations run in your browser.
✓Formulas and key assumptions are disclosed in each tool.
✓Found an error? Email us at hello@everydaybudd.com and we'll fix it.
✓Tools are updated when tax laws, rates, or formulas change.