Free calculators for US small businesses
A small business runs on a handful of numbers: what each sale earns, how long the cash will last, what a hire really costs, what the company is worth, and how much of a purchase the tax code lets you deduct this year. These US business calculators cover 17 of those numbers, from margin and markup to Section 179 and MACRS, and each one shows the formula behind its result so you can check the logic as well as the answer.
All 17 calculators are free to use, with no sign-up, and they run entirely in your browser. Nothing you enter is uploaded, stored or shared, so you can work with real figures from your books.
Pricing and profitability
Margin and markup describe the same profit against different bases, and mixing them up is one of the most expensive pricing mistakes. The margin calculator measures profit against the selling price and finds the price that hits a target margin, while the markup calculator measures it against cost and prices from a target markup. The profit margin calculator works down the income statement, returning gross, operating and net margin from revenue, cost of goods sold and expenses. The COGS calculator finds cost of goods sold from beginning inventory, purchases and ending inventory, then adds gross margin and inventory turnover when you enter revenue. The break-even calculator shows the units and revenue needed to cover fixed costs, and can add a target profit so the result becomes a sales goal rather than just a floor. Whichever tool you use, enter the full landed cost, including freight and transaction fees, or the margin will look better than it really is.
Cash, runway and getting paid
Profit and cash are not the same thing, and a profitable business can still run short. The startup cost calculator adds one-time setup costs to monthly burn over the runway you want to fund, giving a launch budget. The burn rate and runway calculator separates gross and net burn and converts your cash, plus any planned funding, into months of runway. Net burn falls as revenue grows, and once revenue covers expenses the balance stops shrinking. The cash flow forecast calculator projects the balance month by month with growth rates for revenue and expenses and flags the lowest point, which is often the number that matters most. The working capital calculator measures liquidity through net working capital, the current and quick ratios and working capital turnover. The invoice late fee calculator prices an overdue invoice from a flat fee plus a monthly percentage, simple or compounded, so a reminder can state exactly what further delay costs.
Growth and value
The customer LTV and CAC calculator builds lifetime value from revenue per period, gross margin and lifespan, or derives lifespan from monthly churn, then compares it with acquisition cost through the LTV:CAC ratio and the payback period. The EBITDA calculator adds interest, taxes, depreciation and amortization back to net income and reports EBITDA and EBIT with their margins. The business valuation calculator applies an EBITDA multiple you choose, cross-checks it with a discounted cash flow projection, and bridges from enterprise value to equity value by adding cash and subtracting debt.
Tax, depreciation and payroll
Three calculators cover how equipment is written off. The Section 179 calculator applies the annual maximum, the dollar-for-dollar phaseout on large purchases and, if you enter it, the business income limit, then shows the tax savings. The bonus depreciation calculator applies the Section 168(k) rate to the business-use basis left after any Section 179 deduction, and the MACRS depreciation calculator spreads what remains across the recovery period using the GDS half-year convention tables. Section 179 cannot create a loss while bonus depreciation can, which is why many businesses apply Section 179 first and bonus depreciation to the basis that remains. The cost of an employee calculator adds the employer share of Social Security and Medicare, FUTA, benefits and other costs to base salary, giving the fully loaded annual, monthly and hourly cost of a hire. State unemployment tax and workers’ compensation vary by state, so they go in the other costs field.
Why run the numbers first
Decisions that look reasonable in isolation can strain a business once the numbers are put together. A price that feels competitive may never cover fixed costs, a new hire costs more than the salary on the offer letter, a large equipment purchase can push a business into the Section 179 phaseout, and a forecast that ends with plenty of cash can hide a mid-year shortfall. Running scenarios before you commit shows which lever matters most: price, cost, timing or funding.
The tax figures used by the depreciation and payroll tools, such as the Section 179 limits, the bonus depreciation rate and the Social Security wage base, are held as 2026 values and change with legislation and annual adjustments; the other tools rely only on the figures you enter. The results are estimates for planning, not tax, legal or investment advice, so confirm material decisions with an accountant or tax professional.
A simple way to use the set
- Launching: estimate startup costs, then set prices with the margin and break-even tools.
- Operating: forecast cash monthly and keep an eye on working capital and runway.
- Growing: check LTV against CAC before scaling spend, and cost each hire fully.
- Investing or selling: plan equipment deductions and value the business on EBITDA.
Start with the question in front of you, then follow the numbers into the related tools: a margin feeds a break-even target, a break-even target feeds a cash flow forecast, and the forecast tells you how much runway the plan really has.
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