Calculators
All 92 free financial calculators
Every calculator on Calcority in one place, grouped by the problem you are trying to solve. Each one shows its formula and a worked example, runs in your browser, and needs no account. Search by name, or pick a category (pricing & profitability, break-even by industry, cash & runway and more).
Showing all 92 calculators
Pricing & profitability
20- Break-even calculatorThe unit and dollar figure where you stop losing money.
- Break-even pointUnits and revenue to reach zero profit.
- Contribution marginWhat's left from a sale after variable costs.
- Standard cost variance calculatorMaterial, labor and overhead variances with a full proof and journal entries.
- Predetermined overhead rate calculatorSet the rate, cost jobs, and close under- or overapplied overhead.
- Cost per unit calculatorManufacturing, variable and fully loaded unit cost, scrap, volume and break-even.
- CVP analysisBreak-even, target profit, and margin of safety together.
- Markup vs. marginConvert between the two, solve for the price you need.
- Price change impactHow far volume can drop before a price move loses money.
- Break-even ROASThe ad spend floor before a campaign loses money.
- Landed cost calculatorTrue per-unit cost after freight, duty, and fees.
- Marketing ROI (CPC, CPL, ROAS)Cost per click, per lead, and return on ad spend.
- Amazon FBA calculatorPer-unit profit, margin, ROI, and break-even ACOS.
- Etsy fee calculatorListing, transaction, and processing fees, plus the $10k Offsite Ads cliff.
- eBay fee calculatorFinal value fees by category, Store rates, fee cliffs, and the price that nets your profit.
- PayPal fee calculatorFees by payment type, invoice and international costs, refunds, and what to charge to net your amount.
- Stripe fee calculatorCard, ACH, international and Billing fees, disputes, and what to charge to net your amount.
- Shopify plan break-evenThe sales volume where upgrading your plan actually pays for itself.
- Shopify order profit calculatorReal per-order margin after Shopify Payments fees, plus your break-even ROAS.
- Etsy vs Shopify vs AmazonThe same sale run through each marketplace, with real fees compared side by side.
Break-even by industry
9- Restaurant break-evenCovers needed per month, built on prime cost and seat capacity.
- Food cost percentage calculatorActual vs theoretical food cost, the variance, and what explains it.
- Menu price calculatorPrice a dish four ways, round it, price delivery, and test a price rise.
- Recipe cost calculatorCost every ingredient with trim and cooking yield, and get cost per portion.
- Retail break-evenBreak-even units for a storefront or retail concept.
- Ecommerce break-evenBreak-even orders after fulfillment and platform fees.
- Gym membership break-evenMembers needed to cover rent, staff, and equipment.
- Agency break-evenBillable hours needed, converted into a utilization rate.
- SaaS break-evenSubscribers needed, adjusted for churn and market size.
Cash & runway
10- Runway calculatorMonths of cash left at your current burn rate.
- DSO calculatorHow fast you actually collect on what you bill.
- DPO calculatorHow slowly the business pays its own suppliers.
- Cash conversion cycleDIO + DSO − DPO, the full working-capital picture.
- Inventory turnover & EOQTurnover, days in inventory, and reorder point.
- Sell-through rate calculatorSell-through by style against plan, weeks of supply, stockout risk and markdown lift.
- Inventory carrying cost calculatorBuild your carrying cost rate, split avoidable from fixed, and see per-unit cost.
- Days inventory outstanding calculatorDIO on ending, average or 12-month inventory, days of supply, and cash per day.
- Safety stock & reorder pointStatistical buffer sizing by service level.
- DSCR calculatorDebt service coverage for a business loan.
Team & hiring
11- True cost of an employeeFully loaded cost above the base salary.
- Revenue per employee calculatorRPE on average FTE, profit per employee, marginal revenue per hire.
- Employee turnover cost calculatorThe cost of one departure from your own numbers, and what a lower turnover rate is worth.
- Cost per hire calculatorInternal and external recruiting cost per hire, by source, and per hire who stays.
- Employee vs. contractorBreak-even rate and classification risk.
- Staffing bill rateThe bill rate that covers pay, burden, and margin.
- Freelancer profitabilityReal hourly profit after taxes, tools, and unbilled time.
- Freelance rate calculatorThe hourly, day and project rate that delivers your take-home after the real tax stack.
- Hourly to salary calculatorReal annual comparison adjusted for unpaid time off and benefits.
- Salary to hourly rate calculatorThe real rate a freelancer needs to match a target salary.
- Overtime pay calculatorFLSA blended overtime rate, plus the 2026 No Tax on Overtime deduction.
SaaS & startup metrics
11- MRR / ARR calculatorNet new MRR, quick ratio, NRR and GRR.
- Churn rate & retentionCustomer churn, revenue churn, NRR, and GRR.
- LTV / CAC calculatorLifetime value, acquisition cost, payback period.
- CAC payback periodMonths to recover acquisition cost in gross profit.
- Rule of 40 calculatorGrowth rate plus profit margin benchmark.
- Burn multiple calculatorNet burn per dollar of net new ARR.
- SAFE note calculatorConversion price, dilution, cap vs. discount.
- Pre and post-money valuation calculatorSolve valuation, investment or ownership, and see the option pool shuffle.
- Startup dilution and cap table calculatorSAFEs, pool top-ups and priced rounds: ownership by holder after every stage.
- Convertible note calculatorConversion with accrued interest.
- Founder equity splitStarting-point split for 2-4 co-founders.
Real estate
9- Cap rate calculatorNet operating income as a percentage of property value.
- NOI calculatorThe full waterfall from potential rent to net operating income.
- Cash on cash return calculatorCash invested, year-by-year returns, leverage, exit IRR and the price for your target.
- Debt yield calculatorDebt yield, the largest loan under debt yield, DSCR and LTV, and which test binds.
- NNN lease calculatorAll-in monthly cost including passed-through expenses.
- Net effective rentTrue rent per month after concessions and free rent.
- CRE commission calculatorBroker commission across a tiered lease structure.
- Gross rent multiplier (GRM) calculatorPrice vs. gross rent, plus how it compares to cap rate.
- BRRRR calculatorAll-in cost, refinance, cash left in the deal, and post-refi cash-on-cash.
Valuation, tax & legal
22- Business valuation (SDE)A small business's value from its seller's discretionary earnings.
- EBITDA calculatorEBITDA three ways, adjusted EBITDA with seller and buyer add-backs, and the cash bridge.
- Present value of a lump sumWhat a future payment is worth today, discounted back.
- WACC calculatorWeighted average cost of capital for private and small companies: CAPM, build-up and weights.
- DCF calculatorEnterprise value from FCFF, with terminal value two ways, reconciled.
- ROIC calculatorNOPAT, invested capital, and whether the business creates value over WACC.
- IRR calculatorInternal rate of return, NPV, MIRR, payback and profitability index from one cash flow schedule.
- Payback period calculatorSimple and discounted payback, plus NPV, IRR and profitability index from the same cash flows.
- Profitability index calculatorRank projects under a budget, plus NPV, IRR and payback from the same cash flows.
- Chaffee DLOM (409A)Discount for lack of marketability using the protective put model.
- Entity choice tax calculatorSole prop vs. S-corp vs. C-corp, compared on total tax.
- Judgment interest calculatorPost-judgment interest accrued by state rate and date.
- Retainage calculatorAmount withheld and released on a construction contract.
- Self-employment tax calculatorSE tax, the half-SE deduction, and safe-harbor quarterly payments.
- 1099 tax calculatorFederal and self-employment tax on 1099 income, with QBI and W-2 stacking.
- Quarterly estimated tax calculatorSafe-harbor and annualized payments, due dates, and a late-payment penalty estimate.
- IRS penalty and interest calculatorLate filing and late payment penalties plus daily interest, with the rates through Q4 2026.
- Mileage deduction calculator2026 split IRS rates, tax saved per mile, and standard vs. actual expenses.
- S corp reasonable salary calculatorBuild a defensible owner salary, then see savings, QBI effects and back-tax exposure.
- Section 179 & bonus depreciation calculator2026 limits, vehicle caps, and what full expensing is worth vs. spreading it out.
- Depreciation recapture calculatorThe tax on the gain when you sell: ordinary recapture, the 25% layer, capital gains and NIIT.
- 1031 exchange calculatorBoot, recognized vs. deferred gain, and replacement property basis.
Learn the terms
Plain-language definitions and formulas for the metrics behind these calculators.
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