Business calculators

Bankruptcy-risk screen from five balance-sheet ratios — the original 1968 model plus the private-firm and service variants, with distress, grey and safe zones.

Find the missing width or height that keeps an aspect ratio, or simplify any width×height to its lowest terms, with the nearest standard format named.

Bandwidth for a given number of concurrent users and activity, with overhead headroom, the same figure in MB/s, and the monthly data transfer it adds up to.

Units and revenue needed to break even from fixed costs, price and variable cost per unit, plus contribution margin and a target-profit option.

Compound annual growth rate from a start value, end value and years — or the end value from a rate — with total growth and a year-by-year table.

Sales commission from the sale amount and rate, with an optional tiered structure (higher rate above a threshold), base salary, and effective rate.

Customer lifetime value from order value, purchase frequency, gross margin and lifespan or churn, with discounted CLV, CLV:CAC ratio and payback period.

How long a file takes to transfer at a given connection speed, in bits or bytes, with a real-world overhead allowance and the speed needed to hit a deadline.

Straight-line, declining balance, double-declining and sum-of-the-years'-digits depreciation with a full year-by-year schedule and book value at every point.

EBITDA built up from net income or down from revenue, with margin, adjusted EBITDA and an honest cash-conversion check — because EBITDA is not cash flow.

The true annual cost of an employee — salary, employer payroll taxes at current IRS rates, benefits, equipment and overhead — as a multiple of base salary.

The hourly rate a freelancer must charge to hit a target income after expenses, taxes, time off and unbillable hours — plus day rate and revenue needed.

Inventory turnover ratio, days inventory outstanding and the reorder point from lead time and safety stock — with the cost of the cash sitting on your shelves.

The annualized cost of skipping an early-payment discount on terms like 2/10 net 30 — and whether borrowing to take it beats holding the cash.

Gross margin, markup and profit from cost and price — or the selling price for a target margin — with the margin-vs-markup table that trips everyone up.

Add a markup to your cost to get the selling price, the profit per unit and the gross margin that markup really equals — with a conversion table.

Business, medical and charitable miles at the current IRS standard rates, including the mid-2026 business rate change, plus the gap an employer's rate leaves.

Password entropy in bits from length and character set, with the size of the search space and the time to crack at a guess rate you set.

Generate a password from a seed you choose, with the exact entropy of the scheme, the search space it implies, and an honest verdict on how strong it really is.

Stack up to three successive discounts on a price and get the final amount, the total saved and the single discount the stack is really worth.

Turn pixel dimensions and DPI into a printed size, or a target print size into the DPI you would actually get, with a quality verdict at 300, 150 and 72 DPI.

Gross, operating and net profit with their margins from revenue, cost of goods sold, operating expenses, other costs and tax rate — an income statement with a chart.

Return on investment and annualized ROI from what you put in, what you got back and how long it took, with the work shown and ROI vs CAGR vs IRR explained.

Months of runway, the zero-cash date and the burn multiple from cash, spend, revenue and growth — with the month it turns cash-flow positive, if it does.

IPv4 subnet from an address and CIDR prefix: network and broadcast addresses, usable host range and count, subnet mask and wildcard mask, with exact 32-bit maths.

Marginal tiered sales commission across four brackets with an accelerator on the top tier — plus the effective rate, the marginal rate and the gap to the next tier.

Add VAT to a net price or strip it from a gross price at any rate, with the VAT amount shown. Defaults to the UK's 20% and lists standard EU rates.

File size from bitrate, duration and audio, plus the bitrate that fits a target size and how your bitrate compares with the recommendation for the resolution.

Weighted average cost of capital from equity and debt weights, with cost of equity via CAPM, after-tax cost of debt and the dollar value of the interest tax shield.

Working capital, current ratio, quick ratio and cash ratio, plus the cash conversion cycle from DSO, DIO and DPO — and what each day of it costs you.