Finance Tools & Calculators
Free finance calculators and decision guides for loans, recurring revenue, valuation, cash flow, investment returns and business funding scenarios.
Browse finance tools460 resources in this topic. Start with the featured tools below, browse the paginated directory, or use PROFENG search when you already know the calculation, conversion, comparison or workflow you need.
All finance resources
Showing 1–60 of 460 resources.
Revolving Credit Draw Cost Scenario Calculator
Estimate revolving credit draw cost with editable commercial assumptions and a transparent browser-based calculation.
Cash Forecast Error Liquidity Buffer Scenario Calculator
Estimate cash forecast error liquidity buffer with editable commercial assumptions and a transparent browser-based calculation.
Bank Fee Analysis Platform Buyer Guide
A practical buyer guide for bank fee analysis platform covering bank-account and service-fee normalization, statement ingestion and benchmarking, savings workflow bank negotiation and reporting.
Mortgage Calculator
Estimate mortgage principal, interest, taxes, insurance and HOA costs from editable assumptions.
Business Loan Calculator
Estimate monthly payments, interest and origination fees for a fixed-rate business loan.
Commercial Mortgage Balloon Payment Calculator
Estimate monthly debt service, remaining balance and balloon payment for a commercial mortgage with a shorter maturity than amortization.
Loan Calculator
Estimate monthly payment, total paid and interest for a fixed-rate amortizing loan.
Auto Loan Calculator
Estimate vehicle financing from price, trade-in, down payment, tax, fees, APR and term.
Compound Interest Calculator
Project future value from a starting balance, monthly contributions, rate and time.
Investment Calculator
Model a long-term investment balance after contributions, an assumed return and annual fees.
Retirement Calculator
Project retirement savings, inflation-adjusted value and an illustrative first-year withdrawal.
Business Loan Refinance Calculator
Compare an existing business loan with a hypothetical refinance and estimate payment and lifetime cost changes.
Debt-to-Income Calculator
Calculate housing and total debt-to-income ratios from gross monthly income and debt payments.
SaaS Revenue-Based Financing vs Venture Debt Breakdown
Compare revenue-based financing and venture debt for SaaS companies, including repayment mechanics, covenants, dilution and cash-flow fit.
How to Calculate Equipment Leasing Interest Rates for Warehouses
Understand lease factor, implied rate, total lease cost, residual value and effective financing cost for warehouse equipment.
Merchant Cash Advance (MCA) Consolidators Matrix
Compare MCA consolidation structures, payoff mechanics, daily or weekly withdrawals, lien issues and total cost before refinancing expensive advances.
Step-by-Step Guide to Getting a Commercial Real Estate Bridge Loan
A practical bridge-loan process for commercial real estate, from sources and uses through DSCR, LTV, exit strategy, due diligence and closing.
Unsecured Business Lines of Credit for New LLCs (No Revenue)
Learn what lenders usually evaluate when a new LLC has little or no operating history, and how to compare guarantees, limits, fees and draw terms.
SBA 7(a) Loan Documentation Checklist for First-Time Founders
Prepare for an SBA 7(a) application with a lender-focused checklist covering ownership, financials, debt, use of proceeds and common supporting records.
Commercial Mortgage Refinance Payment Estimator
Compare an existing commercial mortgage with a refinance using payment, closing cost, LTV, DSCR and break-even estimates.
Crypto Capital Gains Tax & Staking Rewards Calculator
Model crypto capital gains and staking-reward tax scenarios with user-entered basis, proceeds and tax-rate assumptions.
Freelancer Estimated Quarterly Tax Withholding Tool
Estimate annual and quarterly tax reserves from freelance profit, other income, user-entered tax rates, withholding and credits.
Employee Stock Options (ISO/NSO) Valuation Calculator
Model vested options, exercise cost, spread and hypothetical exit value for ISO or NSO scenarios with user-entered tax assumptions.
Invoice Factoring Cost Calculator
Estimate factoring fees, advance proceeds, reserve and effective financing cost from invoice amount, advance rate and fee structure.
Merchant Cash Advance APR Equivalent Calculator
Estimate an approximate annualized borrowing cost for a merchant cash advance from funded amount, payback amount and repayment duration.
Equipment Lease vs Buy Calculator
Compare the total modeled cash cost of leasing equipment with financing a purchase using editable terms, residual value and fees.
Commercial DSCR Calculator
Calculate debt service coverage ratio from annual net operating income and annual principal-and-interest debt service.
Working Capital Calculator
Calculate net working capital and current ratio from cash, receivables, inventory, current assets and current liabilities.
Cash Conversion Cycle Calculator
Calculate DIO, DSO, DPO and cash conversion cycle from inventory, receivables, payables, sales and cost of goods sold.
Accounts Receivable DSO Calculator
Calculate days sales outstanding from accounts receivable and credit sales to monitor collection speed and working capital.
Inventory Turnover Calculator
Calculate inventory turnover and days inventory on hand from cost of goods sold and average inventory.
Deferred Revenue Schedule Calculator
Create a simple monthly deferred-revenue recognition schedule from an upfront contract value, service term and start month.
SBA Loan Payment & Fee Calculator
Estimate a business loan payment, total interest and financed upfront fee using editable rate, term and fee assumptions.
Business Valuation EBITDA Multiple Calculator
Estimate enterprise value and equity value from EBITDA, valuation multiple, debt and cash assumptions.
Discounted Cash Flow Valuation Calculator
Estimate present value from projected free cash flow, discount rate, terminal growth and forecast period.
Net Present Value (NPV) Calculator
Calculate net present value from an initial investment, equal periodic cash flow, discount rate and project term.
Internal Rate of Return (IRR) Calculator
Estimate IRR for a simple investment with an initial outflow and equal periodic inflows using iterative root finding.
WACC Calculator
Calculate weighted average cost of capital from debt, equity, cost of debt, cost of equity and tax rate.
Business Line of Credit Interest Calculator
Estimate interest on an outstanding business line-of-credit balance from the annual rate and number of days used.
Term Loan Fee Effective Cost Calculator
Estimate payment, finance cost and a simple annualized cost measure for a business term loan including upfront fees.
SBA 504 Blended Payment Scenario Calculator
Model a blended payment scenario for an SBA 504-style financing package using your own principal, rate, term and fees.
DSCR Maximum Loan Amount Calculator
Estimate maximum supportable loan principal from NOI, target DSCR, interest rate and amortization term.
Equipment Financing Payment Calculator
Estimate monthly equipment financing payment, interest and total cash paid from amount, rate, term and fees.
Business Loan Refinance Savings Calculator
Compare current and proposed business-loan payments, monthly savings, closing-cost break-even and modeled remaining cash outflow.
Invoice Financing Effective Cost Calculator
Estimate invoice-financing advance, fees and simple annualized cost from advance rate, fee percentage and expected collection days.
Commercial Bridge Loan Interest Reserve Calculator
Estimate an interest reserve for a commercial bridge loan from loan size, rate, reserve period and average utilization.
Asset-Based Lending Borrowing Base Checklist
A due-diligence checklist for asset-based lending borrowing base, covering eligible receivables and inventory, advance rates and reserves, ineligible-account definitions.
SBA 504 Refinance vs Conventional Commercial Loan Comparison Guide
A commercial comparison guide for sba 504 refinance vs conventional commercial loan, covering loan structure and amortization, fees and prepayment terms, owner-occupancy and eligibility assumptions.
Business Line of Credit Renewal Checklist
A due-diligence checklist for business line of credit renewal, covering borrowing-base reporting, minimum liquidity covenants, renewal fees and unused-line charges.
Equipment Financing Prepayment Terms Decision Guide
A practical decision guide for equipment financing prepayment terms, covering prepayment formula, end-of-term ownership, documentation and filing fees.
Working Capital Loan Term Sheet Checklist
A due-diligence checklist for working capital loan term sheet, covering repayment frequency, personal guarantee scope, financial reporting requirements.
Accounts Receivable Revolver vs Invoice Factoring Comparison Guide
A commercial comparison guide for accounts receivable revolver vs invoice factoring, covering control of collections, recourse and reserves, effective financing cost.
Acquisition Financing with Seller Note Decision Guide
A practical decision guide for acquisition financing with seller note, covering seller-note subordination, cash equity requirement, post-close debt service.
Unsecured Business Loan Underwriting Checklist
A due-diligence checklist for unsecured business loan underwriting, covering cash-flow coverage, owner credit and guarantees, bank-statement and tax-return requirements.
Business Debt Consolidation vs Refinance Comparison Guide
A commercial comparison guide for business debt consolidation vs refinance, covering payoff amounts, new maturity and payment, total remaining cash cost.
Commercial Loan Covenant Package Checklist
A due-diligence checklist for commercial loan covenant package, covering DSCR and leverage tests, reporting frequency, cure rights and default triggers.
13-Week Cash Flow Forecast Checklist
A due-diligence checklist for 13-week cash flow forecast, covering weekly receipts, payroll and vendor disbursements, minimum cash buffer.
Treasury Sweep Account Evaluation Decision Guide
A practical decision guide for treasury sweep account evaluation, covering sweep threshold, eligible destination account, daily liquidity.
Business Deposit Account Fee Comparison Guide
A commercial comparison guide for business deposit account fee comparison, covering monthly account fee, transaction allowances, earnings credit or balance requirements.
Accounts Payable Payment Terms Optimization Decision Guide
A practical decision guide for accounts payable payment terms optimization, covering supplier terms, cash conversion cycle, late-payment risk.
Need a different type of tool?
Return to PROFENG search to find a specific resource across all 5000 available tools and guides.
Search all tools →