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Free Small Business Calculators & Tools

Pricing, payroll, taxes, SaaS metrics, cash flow, and unit economics — 40 tools with real benchmarks, charts, and investor-grade math. No signup, no fluff.

✓ 100% Free✓ No Signup✓ PDF Export✓ Industry Benchmarks✓ Investor-Grade Math

Featured Interactive Tools

Beyond calculators — dashboards, checklists, comparisons

Interactive dashboard

SaaS Metrics Tracker

MRR, NRR, LTV:CAC, Rule of 40 and a 24-month projection on one screen.

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Side-by-side model

Pricing Strategy Planner

Penetration, parity, premium, and value pricing — price, margin, and projected profit for each.

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19-point diligence

Startup Readiness Checklist

Score your startup the way investors diligence it, with a live runway projection on the side.

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Radar benchmark

Competitor Comparison Tool

Benchmark revenue per FTE, growth, and margin against up to 5 competitors on one radar chart.

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Full federal + SE

Quarterly Tax Estimator

Self-employed quarterly payments — federal brackets, SE tax, state, and safe-harbor check.

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Browse by Category

Calculate gross, operating, and net profit margin from revenue and costs. Compare to industry benchmarks and find which costs are eating your margin first.

Find your break-even in units and revenue from fixed costs, variable costs per unit, and price. See exactly how many sales you need to stop losing money.

Convert between markup and margin and calculate selling price from cost.

Build a professional invoice and download it as a printable PDF.

Calculate US state sales tax on any purchase amount.

Split any bill and tip — 15%, 18%, 20%, or custom %, with per-person totals and rounded amounts. Works for restaurants, bars, delivery, and groups.

Convert hourly rate to annual salary and salary to hourly rate.

Work out the hourly rate you need to charge to hit your target income.

Monthly payment, total interest, and full amortization for any business loan.

Measure return on investment for marketing spend, equipment, or any project.

Calculate the fully-loaded cost of a hire including taxes, benefits, and overhead.

Project monthly cash flow with income and expense categories.

Inventory turns, days of inventory, and reorder timing for retail and ecommerce.

CLV for subscription and one-time businesses with retention modeling.

Monthly churn rate, annual churn, and revenue impact projections.

Live SaaS dashboard — MRR, NRR, LTV:CAC, CAC payback, Rule of 40, and 24-month projection.

Penetration, parity, premium, or value-based — see the price, margin, and projected profit for each strategy side by side.

Quarterly estimated tax payments for self-employed and freelance income.

19-point readiness checklist plus runway projector — score your startup the way investors diligence it.

Compare your company against up to 5 competitors on revenue per FTE, growth, and margin. Radar chart + efficiency score.

Calculate blended and paid CAC from marketing spend and new customers acquired.

The single most diagnostic SaaS unit economics ratio — is your payback healthy?

Months to recoup acquisition cost — benchmarks by SaaS pricing tier.

Project 12-month ARR from starting MRR, growth rate, and monthly churn.

NRR from starting MRR, expansion, contraction, and churn — investor-grade metric.

Growth rate + profit margin ≥ 40% — the benchmark SaaS metric for healthy balance.

Earnings before interest, taxes, depreciation, and amortization — with margin context.

Gross margin from revenue and COGS, plus industry benchmark comparisons.

Current assets minus current liabilities — the operational liquidity check lenders want.

Average days to collect receivables — benchmark your cash conversion efficiency.

DSCR is what lenders actually underwrite on — 1.25× is the common loan threshold.

What to charge per hour to hit target revenue given utilization and overhead.

True per-project margin after labor, subcontractors, software, and overhead allocation.

Compare lifetime revenue of subscription vs one-time pricing at your price points.

Estimate FICA, FUTA, SUTA, and total employer payroll tax burden.

Compare true cost of hiring a 1099 contractor vs W-2 employee — taxes and benefits included.

Founder ownership after seed, Series A/B, and option pool dilution rounds.

Optimal order quantity that minimizes combined ordering and holding costs.

Allocate marketing budget by revenue and growth stage — 5–30% guideline.

15.3% SE tax on net freelance earnings — with the 7.65% deduction built in.

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For teams that track this stuff weekly

Save your inputs. Share with your team. Never re-type.

Digital Dashboard Hub has 255 interactive tools — SaaS metrics, creator ops, health trackers — with saved inputs, team sharing, and exportable reports. Starter from $9/mo.

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