Calculators

Twenty-five calculators for the financial, valuation, and unit-economics questions that come up most often in operating a business. Each runs in your browser, shows the formula, and includes a worked example.

Financial fundamentals

• ROI

  Calculate simple and annualized return on investment with gain, cost, and holding period inputs.

• Break-Even

  Find the units and revenue you need to cover fixed costs at a given price and variable cost per unit.

• Gross Margin & Markup

  Calculate gross margin and markup side-by-side, with the difference between the two clearly explained.

• Profit Margin

  Calculate gross, operating, and net profit margins side-by-side from a P&L summary.

• CAGR

  Calculate compound annual growth rate from a beginning value, ending value, and number of years.

• Rule of 72

  Approximate doubling time and reverse-solve required rate using the Rule of 72.

• Loan Amortization

  Generate a full amortization schedule with principal and interest split for any fixed-rate loan.

SaaS & growth

• Customer Acquisition Cost

  Calculate blended and paid CAC across channels with sales, marketing, and customer counts.

• Customer Lifetime Value

  Estimate LTV from average revenue per customer, gross margin, and monthly churn rate.

• LTV:CAC Ratio & Payback

  Calculate the LTV:CAC ratio and CAC payback period from unit economics inputs.

• Runway & Burn Rate

  Calculate net burn, gross burn, and months of runway from cash on hand and monthly cash flows.

Valuation

• Net Present Value

  Calculate net present value of a series of future cash flows at a chosen discount rate.

• Internal Rate of Return

  Find the discount rate that sets NPV to zero for a series of cash flows.

• DCF Valuation

  Discounted cash flow valuation with free cash flow projections, discount rate, and terminal value.

• Revenue Multiple Valuation

  Apply revenue multiples to estimate enterprise value, with adjustments for growth and gross margin.

• EBITDA Multiple Valuation

  Calculate enterprise value from EBITDA and a sector multiple, with equity value derived after net debt.

• Payback Period

  Calculate simple and discounted payback period from an initial investment and a stream of cash flows.

• Lease vs. Buy

  Compare net present cost of leasing versus buying equipment or real estate over a holding period.

Equity & cap table

• Cap Table Dilution

  Model founder ownership through funding rounds with option pool top-ups and pre/post-money math.

• SAFE / Convertible Note Conversion

  Model SAFE and convertible note conversion with valuation cap, discount rate, and priced round inputs.

• Employee Stock Option Value

  Estimate intrinsic value of employee stock options across a vesting schedule with strike, FMV, and grant size.

Operations

• Payroll Burden

  Calculate fully-loaded employee cost including benefits, payroll taxes, equipment, and overhead.

• Pricing

  Compare cost-plus, value-based, and competitor-based pricing methods on a single page.

• Inventory Turnover & Days Sales

  Calculate inventory turns and days sales of inventory from COGS and average inventory.

• Working Capital & Cash Conversion Cycle

  Calculate working capital and cash conversion cycle from inventory, receivable, and payable days.