Free Business Calculators & Tools
Free online calculators for payroll, real estate, finance, and more. User-friendly tools for estimation and planning purposes.
Available Calculators
Gross to Net Payroll Calculator
Calculate take-home pay from gross salary with accurate tax rates and deductions.
Use Calculator →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 →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 →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 →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 →Meeting Cost Calculator
Find out what your recurring meetings cost in salary, time, and as a percentage of total team payroll.
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 →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 →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 →PTO Liability Calculator
Calculate your company's total PTO liability, annual cost, and exact dollar savings from adjusting your carryover cap.
Use Calculator →Job Costing & Project Profitability Calculator
Calculate gross profit, actual margin, cost variance, hours overrun, and realization rate for any completed project.
Use Calculator →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 →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 →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 →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 →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 →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 →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 →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 →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 →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 →OEE Calculator
Calculate Overall Equipment Effectiveness and see each loss category — downtime, speed, and quality — converted into an annual dollar cost.
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 →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.
Transform Your Excel Models into Web Tools
Do you have complex Excel calculations that need to be shared with clients, integrated with external systems, or published online? Sheetflow makes Excel automation simple.
- Make your own online webforms out of your Excel spreadsheets in a matter of seconds
- Turn Excel spreadsheets into APIs and web forms without coding
- Integrating external systems with Excel calculations
- Secure Excel automation with enterprise-grade reliability
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.