Free calculators for small business owners

Planning to buy a business with an SBA loan? Enter the price, your down payment, the rate and the term. See the monthly payment and what the lender will want your business to earn.

Lenders approve a business loan when the business earns comfortably more than the payments. Enter your cash flow and the loan. See your ratio and the biggest loan it supports.

A $28 an hour technician costs far more than $28 an hour. Add the taxes, insurance, truck and paid time off to see the true cost, and the rate you must bill to make money.

Buyers and lenders price a small business on its EBITDA or owner earnings, not on its tax return profit. Enter your profit and loss. See all three numbers.

How many jobs a month does it take to cover your costs? Enter your fixed costs, your average job and what each job costs to deliver. See the line between loss and profit.

A 50% markup is not a 50% margin, and mixing them up quietly costs you money. Enter your cost and either number. See the price and the other number.

Price a job so it pays you for materials, labor, overhead and profit. Enter what the job costs. See the price to quote and the profit you keep.

SDE is what a single owner-operator earns from the business. It is the figure small business buyers multiply to set a price. Enter your numbers. See yours.

What do you keep after selling? Enter the price, your basis and your tax rates. See a planning estimate of the tax and your proceeds. Not tax advice.