Free Business Finance Tools

Make Better Business Decisions
with Accurate Numbers

Free, instant calculators for pricing, profit, growth, and investment. Built for entrepreneurs and small business owners — no sign-up, no clutter, no cost.

✓ No sign-up required ✓ Runs in your browser ✓ Free forever ✓ 9 calculators
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Instant Results
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Standard Formulas
Used by finance professionals
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Any Device
Desktop, tablet, or mobile
Sales & Revenue

Pricing & Profit Tools

Price products correctly, understand your margins, and ensure every sale is profitable.

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Profit Margin Calculator

Calculate your gross profit and profit margin percentage. Understand how much of every sale you actually keep after covering the cost of goods.

Calculate Margin →
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Markup Calculator

Determine the markup percentage you're applying to your products. Understand the critical difference between markup and margin to avoid underpricing.

Calculate Markup →
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Pricing Calculator

Find the right selling price that covers your unit costs, monthly overhead, and delivers your target profit margin. Includes overhead allocation.

Set Your Price →
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Break-Even Calculator

Find out exactly how many units you need to sell to cover all your costs. Know your minimum performance threshold before you start losing money.

Find Break-Even →
Growth & Marketing

Customer Economics

Metrics that tell you whether your customer acquisition and retention strategy is economically sustainable.

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CAC Calculator

Calculate your Customer Acquisition Cost — how much you spend on sales and marketing to win each new customer. Essential for evaluating marketing efficiency.

Calculate CAC →
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LTV Calculator

Estimate the Lifetime Value of a customer based on revenue, gross margin, and churn rate. Compare against CAC to assess the health of your business model.

Calculate LTV →
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Churn Impact Calculator

Visualise how your monthly churn rate affects your customer base over 12 months. See the "leaky bucket" effect and quantify the value of improving retention.

Analyse Churn →
Investment & Returns

ROI & Payback Tools

Evaluate whether a business investment, campaign, or capital expenditure is worth making.

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ROI Calculator

Measure the Return on Investment for any business expense, marketing campaign, or capital purchase. Get your ROI percentage and net profit instantly.

Calculate ROI →
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Payback Period Calculator

Determine how many months it will take to recover your initial investment from monthly net cash flow. Essential for evaluating equipment and capital expenditures.

Calculate Payback →
Learning Resources

Business Finance Guides

Practical, jargon-free articles to help you understand the concepts behind the numbers.

Pricing

Profit Margin vs. Markup: What's the Difference?

Two of the most confused terms in business pricing — and confusing them can cost you thousands. This guide explains both clearly with worked examples.

Read Guide →
Break-Even

How to Calculate Your Break-Even Point

A step-by-step walkthrough of break-even analysis — what it is, how to calculate it, and how to use it to set realistic sales targets.

Read Guide →
Growth Metrics

What Is Customer Acquisition Cost (CAC)?

CAC is one of the most important metrics for any business that spends on marketing. Learn how to calculate it correctly and what a healthy LTV:CAC ratio looks like.

Read Guide →
Investment

How to Estimate ROI Before You Spend

Most businesses calculate ROI after the fact. This guide shows you how to build a pre-investment ROI estimate so you can make smarter spending decisions.

Read Guide →
Pricing

5 Common Pricing Mistakes Small Businesses Make

Pricing mistakes are among the most costly errors a small business can make — and many are invisible until it's too late. Learn the five most common ones and how to avoid them.

Read Guide →

View all guides →

Getting Started

How to Use These Calculators

Every calculator on Business Calculator Hub is designed to be used in under two minutes. Here's how to get the most out of them:

  1. Choose the right calculator for your question. The category headings above group them by use case.
  2. Enter your real numbers. The quality of the result depends entirely on the accuracy of your inputs. Use actual figures from your accounts where possible.
  3. Read the explanation sections below each calculator. They explain what the result means, how to interpret it, and what to do next.
  4. Use the related calculators linked at the bottom of each page. Many metrics are most useful when compared — for example, CAC is most meaningful when compared to LTV.
  5. Share or copy your results using the buttons in the result box. Useful for sharing with a co-founder, accountant, or investor.
Why It Matters

Why Accurate Business Calculations Matter

Many small businesses fail not because of a bad product or poor service, but because of poor financial visibility. When you don't know your true profit margin, you can't price correctly. When you don't know your break-even point, you can't set a realistic sales target. When you don't know your CAC and LTV, you can't make rational decisions about marketing spend.

The calculators on this site are built around standard, widely accepted financial formulas used by accountants, investors, and business analysts. They won't replace a qualified accountant for complex decisions, but they give you the financial literacy to ask the right questions, spot problems early, and make better day-to-day decisions.

Every number you understand about your business is a decision you can make with confidence rather than guesswork.