Free Business Calculators & Tools
Free online calculators for payroll, real estate, finance, and more. User-friendly tools for estimation and planning purposes.
Payroll & Compensation
13 calculatorsTake-home pay, overtime, raises, pay bands, and statutory withholding.
Gross to Net Payroll Calculator
Calculate take-home pay from gross salary with accurate tax rates and deductions.
Use Calculator →Overtime Pay Calculator
Calculate regular pay, overtime pay, your overtime premium, and annualized earnings — with optional double time for California, union, and holiday shifts.
Use Calculator →PTO Liability Calculator
Calculate your company's total PTO liability, annual cost, and exact dollar savings from adjusting your carryover cap.
Use Calculator →Merit Increase & Raise Budget Calculator
Model your merit dollar pool, tier distribution, budget surplus or deficit, and real raise after inflation for any team payroll and performance cycle.
Use Calculator →Salary Band & Pay Range Structure Calculator
Generate a complete 4-level salary band structure from three inputs — with band overlap diagnostics and compa-ratio positioning for any individual employee.
Use Calculator →Job Offer Total Compensation Calculator
Compare two job offers side by side on total compensation — base, bonus, amortized signing bonus and equity, 401(k) match, and benefits — and see which one actually wins.
Use Calculator →Physician Contract Total Compensation Calculator
Model a tiered wRVU productivity bonus, benefits, and an amortized signing bonus into true total compensation — and compare against a flat guarantee model.
Use Calculator →Prevailing Wage Fringe Benefit Credit Calculator
Calculate your annualized Davis-Bacon fringe benefit credit, the cash fringe still owed each worker, the correct overtime rate, and the payroll burden avoided by funding benefits.
Use Calculator →Multi-Order Wage Garnishment & CCPA Withholding Calculator
Compute disposable earnings, the Title III ordinary-garnishment ceiling, and how much each concurrent order actually gets when support, a tax levy, a student loan AWG and consumer judgments hit one paycheck.
Use Calculator →ACA Employer Shared Responsibility Penalty Calculator
Determine ALE status, test the 95% offer rate, compute the 4980H(a) and 4980H(b) penalties with the cap limiting B to the A amount, and compare all three affordability safe harbors side by side.
Use Calculator →IBNR Reserve Calculator for Self-Funded Health Plans
Apply completion factors to your paid-claims diagonal for ultimate incurred claims, IBNR by incurred month and the reserve to book — cross-checked against PMPM trend and an expected loss ratio, with a margin for adverse deviation.
Use Calculator →401(k) ADP Test & Corrective Distribution Calculator
Run the basic and alternative ADP tests, then work the two-step leveling method that sizes the total excess contribution and splits it into per-HCE corrective distributions — with the excise tax and the QNEC alternative priced alongside.
Use Calculator →Workers' Compensation Experience Modification Rate Calculator
Build the experience mod the way the rating bureau does — expected losses by class code, each claim split at the primary threshold, stabilizing value on both sides — then price it in premium dollars.
Use Calculator →Workforce Cost & Hiring
4 calculatorsWhat people actually cost: loaded rates, turnover, contractors, and meeting time.
Loaded Labor Rate Calculator
Calculate the fully loaded annual cost of an employee and true cost per productive hour — with five itemized employer taxes, benefits, and actual working hours after PTO.
Use Calculator →Employee Turnover Cost Calculator
Calculate the fully loaded cost of replacing an employee — recruiting, interviewing time, onboarding, and productivity ramp loss — with a total, percentage of salary, and equivalent weeks of pay.
Use Calculator →Contractor vs. FTE Cost Calculator
Compare the true all-in cost of a full-time hire against a 1099 contractor's rate, with break-even hours and the max rate that still beats hiring.
Use Calculator →Meeting Cost Calculator
Find out what your recurring meetings cost in salary, time, and as a percentage of total team payroll.
Use Calculator →Pricing, Sales & Margin
8 calculatorsSet prices and rates, model increases, and calculate what a sale pays out.
Gross Margin & Markup Calculator
Calculate the correct selling price from a target gross margin and see the annual profit cost of applying margin targets as markup.
Use Calculator →Price Increase Impact Calculator
Calculate net revenue change, break-even churn rate, safety margin, and gross profit impact across three scenarios for any proposed price increase.
Use Calculator →Project Pricing & Consulting Quote Builder
Build a complete project quote from roles, rates, overhead, and margin — with contingency buffer and payment split — using the correct markup-to-margin formula.
Use Calculator →Freelancer & Contractor Rate Calculator
Calculate your minimum hourly rate and recommended daily rate with SE tax, billing efficiency, expenses, and a W-2 equivalent salary comparison built in.
Use Calculator →Sales Commission & Quota Attainment Calculator
Calculate earnings at any quota attainment level with tiered rates, accelerators, and the commission uplift waiting at the next tier threshold.
Use Calculator →Insurance Agency Commission Calculator
Calculate tiered commission splits, a loss-ratio-triggered contingency bonus, and an effective overall commission rate for any insurance producer.
Use Calculator →Menu Engineering & Yield-Adjusted Plate Cost Calculator
Cost every plate at edible portion, compare contribution margin against food cost percentage, and sort the menu into Stars, Plowhorses, Puzzles and Dogs.
Use Calculator →Hotel Group Displacement Analysis Calculator
Decide whether a group booking is worth taking by weighing its total contribution against the transient business it displaces on constrained nights, then solve for the break-even group rate.
Use Calculator →Cash Flow & Business Finance
5 calculatorsRunway, receivables, working capital, debt service, and SaaS unit economics.
Cash Flow Runway Calculator
Calculate runway months, fundraising trigger date, break-even month, and default alive/dead status from your cash balance, burn rate, and revenue growth.
Use Calculator →AR & Invoice Aging Calculator
Calculate DSO, excess days over terms, expected collectible value, at-risk AR, and the annual financing cost of slow-paying customers.
Use Calculator →Cash Conversion Cycle Calculator
Calculate your CCC from your balance sheet, the dollars tied up in working capital, and the annual cost of financing it.
Use Calculator →Business Loan & Debt Service Calculator
Calculate monthly payment, total interest, DSCR, qualification status, maximum qualifying loan amount, and NOI cushion for any business loan.
Use Calculator →SaaS Unit Economics Calculator
Model LTV, CAC, payback period, NRR, and Magic Number from your MRR waterfall — with health signal indicators and GTM efficiency benchmarks.
Use Calculator →Real Estate
4 calculatorsRental cash flow, flip returns, and 1031 exchange deferral.
Rental Property Cash Flow Analyzer
Evaluate any rental property with cap rate, cash-on-cash return, DSCR, break-even occupancy, and a 5-year equity projection.
Use Calculator →Fix & Flip Real Estate Calculator
Calculate net profit, annualized ROI, 70% rule maximum offer, break-even sale price, and ARV buffer for any house flip deal.
Use Calculator →1031 Exchange Calculator
Calculate realized gain, mortgage and cash boot, depreciation recapture, and total tax deferred — plus your 45-day and 180-day exchange deadlines.
Use Calculator →Commercial Lease Proposal Comparison Calculator
Compare two lease proposals on net present value, straight-line rent, and equivalent annual cost — with expense stops, caps, free rent, and cost per usable square foot.
Use Calculator →Cost Accounting & Variance Analysis
7 calculatorsJob costing, standard cost variances, and the allocation methods behind management accounting.
Job Costing & Project Profitability Calculator
Calculate gross profit, actual margin, cost variance, hours overrun, and realization rate for any completed project.
Use Calculator →Standard Costing Variance Calculator
Calculate materials, labor, and overhead variances from your standard cost card and see which cost category is driving your total variance.
Use Calculator →Activity-Based Costing (ABC) Calculator
Compare traditional volume-based costing against true Activity-Based Costing and see exactly how much each product is overcosted or undercosted.
Use Calculator →Sales Mix & Volume Variance Calculator
Split your total sales volume variance into quantity growth and mix shift, and see whether a favorable total is hiding a margin problem.
Use Calculator →Joint Cost & By-Product Allocation Calculator
Allocate a shared joint production cost across three products using Physical Units, Relative Sales Value, and Net Realizable Value side by side, and see which product's cost is most sensitive to your method choice.
Use Calculator →Equivalent Units of Production Calculator
Build a full process costing production report with equivalent units, cost per unit, and cost of completed units vs. ending WIP — calculated under Weighted Average and FIFO side by side.
Use Calculator →Learning Curve Cost Estimator
Estimate labor hours and a recommended bid price for a follow-on production lot under both the Wright and Crawford learning curve models.
Use Calculator →Manufacturing & Inventory
8 calculatorsShop-floor and stockroom economics: BOM cost, reorder points, equipment losses, scrap, and quality.
BOM Cost Rollup Calculator
Calculate your true finished-good unit cost through up to three production stages, with overhead and scrap loss compounding correctly at each stage.
Use Calculator →Inventory Reorder Point & EOQ Calculator
Calculate your statistical reorder point and economic order quantity — with a real dollar savings comparison against your current order quantity.
Use Calculator →OEE Calculator
Calculate Overall Equipment Effectiveness and see each loss category — downtime, speed, and quality — converted into an annual dollar cost.
Use Calculator →Normal vs. Abnormal Spoilage Cost Calculator
Split spoiled units into normal (absorbed into inventory cost) and abnormal (expensed as a period loss), and see the exact impact on cost per good unit.
Use Calculator →Cost of Quality (COQ) Calculator
See your full Cost of Quality across all four categories, plus the hidden failure costs most companies never track, and the true dollar gap it creates.
Use Calculator →Electricity Demand Charge & Ratchet Clause Calculator
Model twelve months of demand charges with a proper rolling ratchet floor — how many months you are billed on the floor, what one summer spike costs across the year, and what peak shaving really saves.
Use Calculator →Air vs Ocean Freight Mode Total Cost Calculator
Compare two transport modes on total annual cost — freight plus the pipeline, cycle and safety stock each mode forces you to hold — and find the unit value at which the decision flips.
Use Calculator →Equipment Replacement Timing Calculator
Find the economic life of a new machine by minimising equivalent annual cost, then run marginal analysis year by year to find the actual year to retire the one you own.
Use Calculator →Revenue Recognition & Tax Compliance
8 calculatorsASC 606, percentage-of-completion, and the code sections that reshape taxable income.
SaaS Contract Revenue Recognition Calculator
Model a multi-year SaaS contract and see bookings, ARR, billings, and ASC 606 recognized revenue as four distinct numbers, plus the deferred revenue balance by year.
Use Calculator →Percentage-of-Completion Method Calculator
Calculate percent complete, cumulative revenue, and current-period gross profit for long-term contracts — with immediate full-loss recognition when a contract turns unprofitable.
Use Calculator →Section 263A UNICAP Absorption Ratio Calculator
Compute your UNICAP absorption ratios under the simplified and modified simplified production methods and the historic absorption ratio election, and the current-year 263A adjustment.
Use Calculator →Capitalized Interest Calculator (ASC 835-20)
Compute weighted-average accumulated expenditures, a two-tier capitalization rate, and avoidable interest capped at actual interest — with the capitalized amount under both US GAAP and IFRS.
Use Calculator →Section 163(j) Business Interest Limitation Calculator
Build adjusted taxable income under the OBBBA-restored EBITDA add-back, compute the business interest limitation and Form 8990 carryforward, and price the floor plan and real property trade or business elections.
Use Calculator →ASC 340-40 Commission Capitalization Calculator
Decide whether a sales commission is capitalizable, run the commensurate-renewal test that sets the amortization period, and roll the contract asset forward to a carrying amount with an impairment test.
Use Calculator →Section 263A(f) Avoided Cost Method Calculator
Capitalize interest on designated property under the avoided cost method — traced debt first, then the excess expenditure amount — with the shortfall that triggers the deferred interest rules and the gap against your book ASC 835-20 figure.
Use Calculator →Asset Retirement Obligation Calculator (ASC 410-20)
Measure the initial ARO from an inflated settlement cost, then track it as layers — each revision carrying its own credit-adjusted risk-free rate — through accretion, asset retirement cost depreciation, and settlement gain or loss.
Use Calculator →Nonprofit
3 calculatorsForm 990 expense allocation, indirect cost rates, and endowment spending policy.
Nonprofit Functional Expense Allocation Calculator
Allocate expenses across Program Services, Management & General, and Fundraising for Form 990, and see your Program Expense Ratio against the watchdog benchmark.
Use Calculator →Nonprofit Indirect Cost Rate Calculator
Calculate your MTDC with the correct federal exclusions and compare your negotiated indirect cost rate against the 15% de minimis rate in real dollars.
Use Calculator →Nonprofit Endowment Spending Rate Calculator
Calculate spending from a 3-year rolling average, check it against the 7% UPMIFA threshold, and test whether your fund is underwater.
Use Calculator →Why Use Our Calculators?
Comprehensive Calculations
Our calculators use current tax rates and regulations, but users should verify important results for their specific situations.
Always Current
Updated regularly to reflect the latest tax brackets, rates, and regulatory changes.
Easy to Use
No accounting knowledge required. Simple interface with instant results for busy professionals.
Free & Secure
No signup or personal data required. Calculations are performed securely and reliably.
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Common Use Cases
Financial Modeling
Transform financial models and DCF calculations into shareable web tools.
Pricing Engines
Publish pricing calculators and revenue models online for customer use.
Risk Calculations
Share risk assessment tools and actuarial models securely with stakeholders.