Plain-English financial tools for people who run the business.
Free calculators that don't just give you a number — they tell you what it means and what to do next. Built for owners of small businesses who don't have a CFO and shouldn't need one to read their own financials.
Or pick a specific ratio
Browse calculators by category. Each one computes the metric, interprets it against industry benchmarks, and tells you what to do next.
How much of every sales dollar is left after the direct cost of producing it.
Fix the most common pricing mistake: confusing markup with margin.
How much you need to sell to cover your fixed costs.
Earnings before the things bankers and buyers like to look past.
What an owner-operator extracts from the business — the metric small-business buyers actually use.
What you'd pay a hired manager to do your job — and the gap that becomes the EBITDA add-back.
Earnings × industry multiple, narrowed by quality factors. A starting point — not a substitute for a broker.
One useful idea about your numbers, once a month.
Plain-English finance for owners who run the business — what to look at first, what most people get wrong, and how to spot trouble before it becomes a problem. No fluff, no upsells.