The small business toolkit
Nine tools for the decisions that make or break a small business. Your inputs never leave your device unless you choose to send them.
Money & planning
Business loan calculator
Monthly payment, total interest, fees and a yearly amortization schedule.
PlanningBreak-even calculator
Units and revenue needed to cover costs and hit a profit target.
PricingProfit margin & markup
Margin, markup, and the price for any target margin.
StartingStartup cost estimator
Editable budget with one-time costs, monthly costs and a safety buffer.
Cash flowCash runway calculator
How many months your cash lasts, with revenue growth built in.
HiringTrue cost of an employee
Salary plus taxes, benefits, equipment and recruiting.
Get organized
How to use these tools well
Calculators are only as good as the numbers you put in. Pull real figures from your bank statements and accounting software rather than estimates where you can, and run three scenarios: a realistic case, a cautious case with 20% less revenue, and an optimistic case. Decisions that only work in the optimistic case are bets, not plans.
Use the tools together. Start with the startup cost estimator to size how much money you need, test repayments in the loan calculator, confirm the price you charge with the margin calculator, and then check the break-even point to see whether the plan is realistic for your market.
Every tool includes the formula it uses, so you can check the math or rebuild it in a spreadsheet. Results are estimates for planning only — not financial, tax or legal advice.