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.
Business 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.
Having 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.
While 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.
If 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.
This 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.
Your 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.