Free tools
Free Business Calculators & Tools
Fifteen calculators for funding costs, cash flow, and industry math. Every tool is free and instant: no signup, no download, and nothing you type is submitted or stored.
3-minute application · No effect on your credit score to check · Offers within hours
Funding & Cost Calculators
What will the money actually cost? Model payments, total payback, and cost of capital across every major funding product before you talk to anyone.
Business Funding Calculator
The flagship tool: model payments and total payback, estimate what you could qualify for, and check your working capital position in one place.
Try it → PricingMerchant Cash Advance (Factor Rate) Calculator
Turn a factor rate into real numbers: total payback, cost of capital, and estimated daily or weekly payments on a merchant cash advance.
Try it → PlanningBusiness Funding Affordability Calculator
How much can you get? Start from your monthly revenue and see what funding amount your cash flow can realistically support before you apply.
Try it → ReceivablesInvoice Factoring Calculator
See what an unpaid invoice is worth today: the advance amount, the factoring fee, and the cash you keep once the reserve is released.
Try it → Credit lineBusiness Line of Credit Cost Calculator
Model draws, interest, and repayment to see what a line of credit actually costs the way you would really use it, not just the headline rate.
Try it → EquipmentEquipment Financing Calculator
Estimate monthly payments and total cost on an equipment purchase, so you can see whether the machine pays for itself on your schedule.
Try it → DecisionsBusiness Funding Offer Comparison Calculator
Put two funding offers side by side: total payback, payment size, and cost of capital. See which offer truly costs less before you commit.
Try it →
Cash Flow & Operations
The health checks every owner should run: liquidity, coverage, break-even, runway, hiring costs, and what your business might be worth.
Working Capital Calculator (Amount + Ratio)
Current assets minus current liabilities: get your working capital amount and ratio, plus a plain-English read on where you stand.
Try it → CoverageDSCR Calculator (Debt Service Coverage Ratio)
Divide net operating income by debt payments to get the coverage ratio underwriters look at when weighing how much debt a business can carry.
Try it → ProfitabilityBreak-Even Point Calculator
Find the sales volume where revenue covers costs, so you know exactly how much you need to sell before the business turns a profit.
Try it → Survival mathCash Runway & Burn Rate Calculator
Enter cash on hand and monthly burn to see how many months of runway you have, and how much time you really have to act before it gets tight.
Try it → HiringTrue Cost of an Employee Calculator
Wages are just the start. Add payroll taxes, benefits, and overhead to see what a new hire really costs per year and per working hour.
Try it → Exit & equityBusiness Valuation Calculator (SDE Method)
Estimate what your business might be worth using seller’s discretionary earnings and a multiple: a common approach for valuing owner-operated businesses.
Try it →Industry Tools
Purpose-built calculators for owner-operators and fleets, with the cost structures of the trucking business baked in.
Trucking Cost Per Mile Calculator
Add up fixed and variable costs to find your true cost per mile: the one number every profitable load is priced against.
Try it → TruckingSemi Truck Loan Calculator
Estimate monthly payments on a new or used semi truck, including your down payment, term, and the total cost of financing the rig.
Try it →Prefer reading to number-crunching? Browse the guides and articles library.
The Same Math Our Advisors Run, In Your Hands First
Forwardfy Capital is a business financing broker, not a lender or bank, and our advisors run these same calculations on the phone every day. Publishing the tools just moves the math to where it belongs: in front of you, before any sales conversation. There are no signup walls and no tracking of what you enter; every calculation runs in your browser, and nothing is submitted or stored. If the numbers say a product isn’t the right fit, we would rather you see that now than after you sign. And when you want real numbers instead of estimates, the application takes under 3 minutes, checking your options never affects your credit, and offers typically arrive within hours.
Calculator & Tool FAQs
Are these business calculators really free?
Yes. Every calculator on this page is completely free, with no fees, trials, or locked features. Use any of them as often as you like; you will never be asked to pay for a result.
Do I need to sign up or create an account?
No. Every tool runs instantly in your browser with no account, email address, or download required. If you want real numbers instead of estimates, applying online takes under 3 minutes and checking your options never affects your credit.
How accurate are the results?
The calculators use standard financial formulas and are built for directional planning, not quotes. Real funding offers are underwritten on your actual bank deposits, time in business, and industry, so they can land above or below what a calculator shows. Treat every result as an illustration and confirm important figures with your accountant or advisor.
Do these calculations affect my credit score?
No. Nothing you type into these calculators is submitted or stored; every calculation runs entirely in your browser. And checking your options with Forwardfy has no effect on your credit score; any soft credit pull happens only if you choose to move forward.
Done Estimating? Get a Real Number.
Three minutes, no effect on your credit score to check, and a personalized offer, usually within hours.
Checking your options has no effect on your credit score · Monday – Friday, 9:00 a.m. – 8:00 p.m. ET