Small Business Finance
Calculators for company-level financial decisions including break-even analysis, profit margin, markup conversion, inventory turnover, and cash runway.
About these tools
Small business finance has its own set of math that owner-operators run repeatedly. How many units do I need to sell this month to break even? Am I pricing with enough margin to stay in business after overhead? How long can I run at my current burn before I need to fundraise or cut costs? The tools in this category cover the calculations that hit founders, bookkeepers, and operators most often, grounded in standard accounting conventions and small-business management practice.
Each tool is built on formulas from standard managerial accounting. Break-even analysis uses the fixed-cost over contribution-margin formula that appears in every introductory accounting textbook. Profit margin, markup, and inventory turnover come from generally accepted accounting principles and SBA small-business guidance. Cash runway is the standard startup metric (cash on hand divided by net monthly burn). None of these are regulatory calculations; they are internal management tools, which is why they carry less formal authority than the IRS-bound tools in our other clusters.
These tools help owner-operators sanity-check a pricing decision, a staffing decision, or a fundraising decision before committing. For anything that hits a tax return or a loan application, work with a CPA and use licensed accounting software (QuickBooks, Xero, Wave). The tools in this cluster are for the moment between "I have a question" and "I need to make a decision today." For a deeper accounting workflow or a complex capital structure, they are not sufficient.
Every calculation runs in your browser. Revenue figures, cost data, and cash positions never leave your device. No signup, no email gate. The privacy policy covers the data-handling specifics.
Cross-cluster tools that matter here: the quarterly estimated taxes calculator covers the owner's personal tax side of a pass-through business. The project profitability calculator is the project-level sibling of the company-level margin and break-even tools here. For real estate operating businesses, the cap rate and rental pro forma tools cover property-specific financial modeling.
If a calculator you need is missing, send the scenario and the formula source via the contact page. Tools grounded in a named accounting standard or SBA resource get prioritized.
Tools
Break-Even Analysis Calculator
Calculate break-even units and revenue for a business using fixed costs, price per unit, and variable cost per unit. Standard managerial accounting formula.
Cash Burn Runway Calculator
Calculate months of runway from cash balance and monthly net burn, with optional revenue growth projection. Standard startup survival metric.
Inventory Turnover Calculator
Calculate inventory turnover ratio and days sales of inventory from annual COGS and beginning/ending inventory values. Standard retail and wholesale metric.
Markup vs Margin Calculator
Convert between markup (% of cost) and margin (% of price), and compute selling price from either. Fixes the single most common small-business pricing mistake.
Profit Margin Calculator
Calculate gross profit, gross margin, operating profit, and operating margin from revenue, cost of goods sold, and operating expenses on the income statement.
Related categories
Freelance
Calculators for independent contractors and self-employed workers, covering rate-setting, estimated taxes, project profitability, and monthly break-even math.
Real Estate
Calculators for real estate investors and small landlords, covering rent vs buy, cap rate, cash-on-cash return, and rental property depreciation schedules.