My plan

Business calculators

Free, no sign-up. Every calculator shows its formula and assumptions.

Your numbers travel with you. Results are saved on this device, so the loan calculator can pick up your startup total, break-even can use your rent and payroll, and My plan pulls everything together. Bookmark any calculator to save its exact inputs.

Plan your startup

Startup Cost Calculator

Add up one-time costs, a contingency buffer and an operating reserve to see how much cash you need to open.

Finance it

Business Loan Payment Calculator

Estimate payments, total interest and a year-by-year amortization schedule for a business or SBA loan.

Buy a business or franchise

Business Valuation Estimator

Estimate what a small business may be worth using seller's discretionary earnings (SDE) and a multiple range — then check if the loan would be covered.

Franchise Investment Comparison

Compare up to three franchises side by side using the figures in each brand's Franchise Disclosure Document (FDD): initial investment, royalties and ad fees.

Run the numbers

Break-Even Calculator

Find how many units or sales you need each period to cover fixed costs.

Profit Margin Calculator

Calculate gross profit margin and markup, and the price needed to hit a target margin.

Commercial Lease Cost Calculator

Estimate the true cost of a commercial lease, including NNN charges, annual escalations, free rent and TI allowance.

Employee Cost Calculator

See what an employee really costs: wages plus 2026 federal payroll taxes, state unemployment, workers' comp and benefits.

Cash Flow Projection Calculator

Project month-by-month cash for up to 5 years and see the lowest balance — the number that tells you whether you have enough money to open.

Grow

Marketing ROI Calculator

Find your cost per lead, customer acquisition cost and return on a marketing campaign — and the close rate you need to break even.