Calculators for Small Business Owners
Free, source-cited calculators for SMB loans, SBA financing, cash runway, break-even, DSCR, and more. Every tool shows its formula, cites the primary source, and is reviewed on a quarterly cadence by a named human.
All calculators
Business Loan Calculator
Calculate payments, interest, and amortization for any business loan.
Open calculator →SBA 7(a) Loan Calculator
Model SBA 7(a) payments including guarantee fees — up to $5M.
Open calculator →Cash Runway Calculator
How long does your cash last? Default alive or default dead?
Open calculator →Break-Even Calculator
Find your break-even point in units or revenue.
Launching May 2026DSCR Calculator
Debt Service Coverage Ratio for commercial underwriting.
Launching May 2026Equipment Financing Calculator
Compare equipment loan vs lease total cost.
Launching June 2026Gross Margin Calculator
Revenue minus COGS — unit and aggregate views.
Launching June 2026Invoice Factoring Calculator
True cost of invoice factoring vs a line of credit.
Launching July 2026Working Capital Calculator
Net working capital + days-of-runway analysis.
Launching July 2026
Why this site exists
Most SMB finance calculators online are either thin lead-capture forms that send you to a broker or confidence-men dressed up in calculator costumes. This site is the opposite: every formula is rendered in plain text, every rate and fee schedule cites the primary source (SBA SOP, IRS pub, CFPB regulation), and every tool is reviewed every quarter — or immediately when a rule changes.
Read the full methodology — how tools are built, reviewed, and corrected.
Meet the author
Byron Malone is the founder of Bedrocka Ventures and Bedrocka Tools. He spent the last decade building and financing small companies — entity formation, SBA conversations, bank term sheets, runway math — before deciding the calculators he kept re-building should live somewhere public. Read more about Byron →