Calculate Days Sales Outstanding (DSO) to estimate the average number of days it takes a business to collect payment after a sale. This calculator uses accounts receivable, total credit sales, and the period length to determine collection efficiency.
Calculate accounts payable turnover using net credit purchases, beginning accounts payable, and ending accounts payable. This metric shows how efficiently a business pays its suppliers during a period.
Calculate the accounts receivable turnover ratio using net credit sales and average accounts receivable. This helps measure how efficiently a business collects receivables from customers during a period.
Calculate a company’s debt-to-equity ratio using total debt and shareholders’ equity. Optionally include lease liabilities and choose whether to annualize interim balance sheet values for analysis consistency.
Calculate a company’s quick ratio, also called the acid-test ratio, using current assets, inventory, prepaid expenses, and current liabilities. This measures short-term liquidity by showing how well liquid assets can cover current obligations.
Calculate a company’s current ratio by dividing total current assets by total current liabilities. This liquidity metric helps assess whether a business can cover its short-term obligations with its short-term assets.
Calculate net working capital by subtracting current liabilities from current assets, using key balance sheet components such as cash, accounts receivable, inventory, accounts payable, and short-term debt.
Estimate your monthly burn rate by combining payroll, fixed operating expenses, variable costs, and expected monthly revenue. Burn rate represents how much cash your business is spending each month after accounting for revenue.
Estimate net monthly cash flow by comparing total monthly income against fixed expenses, variable expenses, debt payments, and savings contributions.
Estimate monthly burn rate and runway based on operating expenses, revenue, cash balance, and one-time monthly costs. Use this calculator to understand how quickly cash is being spent after accounting for income.
Estimate how many months your startup can operate before running out of cash based on current cash, revenue, expenses, and planned monthly growth in spending.
Calculate cash flow margin as a percentage of revenue using operating cash flow and optional capital expenditures to estimate free cash flow margin. Cash flow margin measures how efficiently revenue is converted into cash.
Estimate monthly net cash flow by subtracting operating costs, debt service, and vacancy-adjusted losses from gross rental income.
Estimate operating cash flow using the indirect method by adding non-cash expenses to net income and adjusting for changes in working capital accounts.
Estimate free cash flow by subtracting capital expenditures from operating cash flow. Use this calculator to assess how much cash a business generates after maintaining or expanding its asset base.
Estimate net monthly business cash flow by subtracting operating expenses, debt payments, and inventory or capital outflows from monthly cash inflows.
Calculate the debt service coverage ratio (DSCR) using annual net operating income, annual debt payments, vacancy rate, and operating expense ratio. DSCR measures how comfortably property or business income covers required debt service.
Calculate the estimated monthly loan payment based on loan amount, interest rate, loan term, and down payment.
Estimate the maximum monthly mortgage payment supported by a property’s debt service coverage ratio and convert it into an approximate maximum loan amount for a rental property using net operating income, target DSCR, interest rate, and loan term.
Calculate the estimated monthly payment for a balloon loan and the remaining balloon payment due at the end of the term based on loan amount, interest rate, amortization period, and balloon term.
Calculate the monthly interest-only payment for a loan based on the loan amount, annual interest rate, interest-only period, and optional fees rolled into the loan.
Calculate the periodic payment amount for a fully amortizing loan using the loan amount, annual interest rate, loan term, and payment frequency.
Calculate the monthly loan payment for an amortizing loan using principal, interest rate, loan term, and payment frequency.
Calculate the fixed monthly payment needed to pay off a loan based on the current balance, interest rate, payoff timeline, and any extra monthly payment.
Calculate the estimated monthly loan repayment based on loan amount, annual interest rate, loan term, repayment frequency, and extra monthly payment.
Calculate the estimated total interest paid on a loan using the loan amount, annual interest rate, loan term, payment frequency, and compounding frequency.
Estimate the monthly payment for a commercial real estate loan using property price, down payment, interest rate, loan term, and amortization period.
Estimate the monthly payment for a business loan based on loan amount, annual interest rate, loan term, payment frequency, and origination fee.
Estimate the monthly interest cost for a business line of credit based on credit limit, amount used, annual interest rate, draw period, and lender fee.
Estimate the monthly payment for a working capital loan based on loan amount, annual interest rate, repayment term, origination fee, and payment frequency.