Business
Cash flow, financing, and ROI
Business Loan
Payment, interest, and cost for a term loan.
Open calculatorCommercial Mortgage
Amortized commercial real estate loan with 5/10/20-year balloon terms and origination points.
Open calculatorDebt Service Coverage Ratio
Net operating income / annual debt payments.
Open calculatorProfit & Loss Statement
Build a complete P&L with revenue, COGS, operating expenses, other income, and taxes. Export to PDF.
Open calculatorBalance Sheet Builder
Build a full balance sheet with assets, liabilities, and equity — plus liquidity and leverage ratios. Export to PDF.
Open calculatorPersonal Financial Statement
Add all personal assets, liabilities, income, and expenses to calculate net worth and cash flow. Export to PDF.
Open calculatorEquipment Financing
Compare loan vs. lease for equipment.
Open calculatorWorking Capital
Current assets minus current liabilities.
Open calculatorCash Flow Projection
12-month cash position from starting cash and monthly delta.
Open calculatorBreak-even Analysis
Units and revenue needed to cover fixed costs.
Open calculatorBusiness Startup Costs
Estimate one-time and first-year operating costs.
Open calculatorProfit Margin
Gross and net margin.
Open calculatorROI Calculator
Return on investment and annualized ROI.
Open calculatorDebt Schedule Builder
Build a full company debt schedule with balances, rates, payments, and payoff timelines. Export to PDF.
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