Business Finance Calculator

Business Finance Calculator

We provide a number of powerful calculators aimed for business owners that can help you determine everything from how much inventory the business should have to determining the amount of working capital needed at any given time.

studio-calculator_318-63480The breakeven analysis calculator is designed to demonstrate how many units of your product must be sold to make a profit. Hit “View Report” to see a detailed look at the profit generated at each sales volume level.

studio-calculator_318-63480Should you consolidate your debt? This calculator is designed to help determine if debt consolidation is right for you. Fill in your loan amounts, credit card or credit line balances and other outstanding debt. You can then see what your monthly payment would be with a consolidated loan.

studio-calculator_318-63480Business valuation is typically based on three major methods: the income approach, the asset approach and the market (comparable sales) approach. Among the income approaches is the discounted cash flow methodology calculating the net present value (‘NPV’) of future cash flows for an enterprise. As an alternative to the more abbreviated income capitalization approach, this methodology is more relevant where future operating conditions and cash flows are variable or not projected to be materially consistent with current performance levels.

studio-calculator_318-63480Having adequate cash flow is essential to keep your business running. If you run out of available cash, you run the risk of not being able to meet your current obligations such as your payroll, accounts payable and loan payments. Use this calculator to help you determine the cash flow generated by your business.

studio-calculator_318-63480Use this calculator to estimate your debt service coverage with a new commercial loan. If your debt service coverage is greater than 1.25, including your new loan payment, you have a good chance of being approved.

studio-calculator_318-63480While several factors are considered in commercial loan underwriting, debt service coverage is primary among them and indicates a borrower’s capacity to service a requested loan. This tool calculates debt service and illustrates how debt service coverage ratios are impacted by changing income and capital assumptions.

studio-calculator_318-63480Should you lease or buy? Use this calculator to find out! We calculate monthly payments and your total net cost. By comparing these amounts, you can determine which is the better value for you.

studio-calculator_318-63480This calculator is designed to show you 10 different financial ratios. Financial ratios are used as indicators that allow you to zero in on areas of your business that may need attention such as solvency, liquidity, operational efficiency and profitability.

studio-calculator_318-63480This calculator helps you determine how much inventory you should hold, and when you should place inventory orders. The calculation attempts to keep your inventory level as efficient as possible, while maintaining adequate safety stock.

studio-calculator_318-63480If you exchange either business or investment property that is of the same nature or character, the IRS won’t recognize it as a gain or loss. This calculator is designed to calculate recognized loss, gains and the basis for your newly received property.

studio-calculator_318-63480If you run a business as a sole proprietorship and have an operating loss, you can normally deduct this loss from your other sources of income. If your business loss is large enough to wipe out all other income sources, it is called a Net Operating Loss (NOL). If you have a NOL you can carry this loss to another year and use it as a deduction to reduce that year’s taxable income. This calculator helps you calculate your NOL deduction and any remaining NOL that you may carry to another year.

studio-calculator_318-63480This calculator can help you determine the selling price for your products to achieve a desired profit margin. By entering the wholesale cost, and either the markup or gross margin percentage, we calculate the required selling price and gross margin. Enter up to 10 products and press the “View Report” button for a printable version of the results.

studio-calculator_318-63480If you have repossessed personal property from a deferred payment sale, you can use this calculator to determine the gain or loss. This includes the reportable gain or loss after repossession costs are taken into account.

studio-calculator_318-63480If you have repossessed personal property with installment payments, you can use this calculator to determine the gain or loss. This includes the reportable gain or loss after repossession costs are taken into account.

studio-calculator_318-63480If you have repossessed real property, you can use this calculator to determine the gain or loss as well as its new basis. This includes the reportable gain or loss after repossession costs are taken into account.

studio-calculator_318-63480Your working capital is used to pay short-term obligations such as your accounts payable and buying inventory. If your working capital dips too low, you risk running out of cash. Even very profitable businesses can run into trouble if they lose the ability to meet their short-term obligations. The calculator assists you in determining working capital needs for the next year.