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
What you can do in Business & Startup Finance
- •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
Accuracy, assumptions, and sources
- •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.
Pick the right calculator fast
- 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
Common mistakes to avoid
- •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, since 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, when it often rises.
- •Projecting growth without accounting for increased infrastructure or headcount costs.
- •Using overly optimistic revenue forecasts to justify expenses instead of staying grounded in data.
Editorial policy
- ✓All calculators provide educational estimates, not professional financial, tax, or legal advice.
- ✓Results depend on the assumptions you enter—double-check your inputs.
- ✓Most tools work without sign-in. See our Privacy Policy for analytics, advertising, and cookie disclosures.
- ✓Formulas and key assumptions are disclosed in each tool.
- ✓Found an error? Email us at contact@everydaybudd.com and we'll fix it.
- ✓Tools are updated when tax laws, rates, or formulas change.
Which Tool When
Eighteen calculators is a lot to stare at. Here is the shortcut, grouped by the question you are actually asking.
Pricing and margin. Setting or defending a price starts with the markup vs margin calculator, which converts between the two and works back from a target margin. Test what a promotion does to profit with the discount profit impact calculator, and model subscription tiers with the multi-tier pricing simulator. Once prices are set, the gross, operating and net margin calculator shows what survives to the bottom line.
Cash flow, runway, and working capital. The cash burn and runway calculator tells you how many months you have before you need to raise. The break-even calculator finds the sales volume that stops the bleeding. Two quieter cash drains live here too: overdue invoices, through the late fee and interest calculator with its per-state usury caps, and stock sitting on the shelf, through the inventory turnover calculator.
SaaS and growth metrics. The SaaS MRR, ARR and churn calculator owns the recurring-revenue numbers. The LTV / CAC calculator answers whether a customer is worth what you paid to acquire them, and the cohort revenue decay visualizer shows the retention curve behind that number. Sizing the opportunity first? Pair the TAM SAM SOM estimator with the revenue forecasting tool.
Investment appraisal. Deciding whether to spend money on a project, a deal, or a new location? The payback period calculator tells you how fast the cash comes back, and the DCF and NPV evaluator tells you whether the whole thing is worth doing once you account for the time value of money. For a physical site, the franchise and branch profitability model stress-tests rent, ramp-up, and royalties before you sign.
Workforce cost. Hiring turns a salary into a much bigger number. The employee cost-to-company calculator adds payroll taxes, benefits, and overhead to get the true loaded cost, and the contractor vs employee comparison puts a 1099 rate and a W-2 package on the same fully-loaded basis.
Educational tool. Results are estimates.
Educational only. Not individualized financial advice. Consult a qualified financial advisor.