Best Free Business Planning Calculators Online (2025)
Model startup costs, break-even points, cash flow, and growth metrics with free business planning calculators for founders and operators.
Guide Overview
Every business decision comes down to numbers. Whether you are writing a business plan, pitching investors, or deciding when to hire, these calculators turn gut feelings into data-driven projections. They are free, instant, and built for founders who need answers without hiring a CFO.
Focus: startup planning, financial modeling, growth metrics
Know Your Break-Even Point Before You Launch
The break-even point tells you exactly how many units you need to sell or how much revenue you need to generate before your business starts making money. It accounts for fixed costs like rent and salaries as well as variable costs per unit. Our break-even calculator makes this analysis straightforward by letting you adjust price, cost, and overhead to see how each variable shifts the target. Every founder should know this number before spending a dollar on marketing.
Estimating Startup Costs Realistically
First-time founders consistently underestimate startup costs by 30 to 50 percent. The startup cost calculator walks you through common expense categories including legal fees, equipment, initial inventory, marketing, and a cash reserve buffer. It produces a total that you can use directly in a business plan or investor pitch. Building in a realistic cushion is the difference between a business that survives its first year and one that runs out of cash before finding product-market fit.
CAC, LTV, and the Ratio That Defines Growth
Customer acquisition cost and customer lifetime value are the two most important metrics in any recurring-revenue business. If your LTV-to-CAC ratio is below 3:1, you are spending too much to acquire customers relative to what they are worth. Our calculators compute both metrics from your actual revenue and spending data, then show the ratio so you can diagnose whether your growth is sustainable or a cash bonfire.
Cash Flow Projections and Burn Rate
Revenue is vanity, profit is sanity, but cash flow is reality. The cash flow projection calculator models monthly inflows and outflows so you can spot shortfalls before they become emergencies. The burn rate calculator shows how many months of runway you have at current spending levels. Together they answer the question every startup investor asks: when do you run out of money, and what do you need to change to extend that date?
Measuring ROI and Revenue Growth Over Time
Not every investment pays off equally, and the ROI calculator quantifies which initiatives are worth doubling down on. Whether you are evaluating a marketing campaign, a new hire, or a piece of equipment, enter the cost and the return to see a clear percentage. The revenue growth calculator tracks month-over-month or year-over-year growth rates so you can spot trends early and adjust strategy before a slowdown becomes a crisis.
Tools in This Guide
Use these tools in sequence based on your workflow needs.
Break-Even Calculator
Find out exactly how many units you need to sell or revenue you need to generate to cover your costs.
Use tool →Startup Cost Calculator
Estimate the total cost of launching your business. Covers legal fees, equipment, marketing, and working capital.
Use tool →Loan & Mortgage Payment Calculator
Calculate monthly loan payments, total interest, and full amortization schedule. See how extra payments save you money.
Use tool →ROI Calculator
Calculate return on investment, net gain, and ROI percentage for projects, marketing campaigns, or purchases.
Use tool →Customer Acquisition Cost Calculator
Calculate CAC from sales and marketing spend and estimate payback period using customer gross profit.
Use tool →Customer Lifetime Value Calculator
Estimate customer lifetime value using monthly revenue, gross margin, and churn. Includes LTV:CAC ratio.
Use tool →Cash Flow Projection Calculator
Project monthly cash in/out and ending balance over a 12-month horizon.. Free online, browser-based tool with instant results and no signup.
Use tool →Revenue Growth Calculator
Forecast revenue over time from baseline revenue and expected monthly or annual growth.
Use tool →Business Valuation Calculator
Estimate business value using revenue multiple, EBITDA multiple, and cash flow methods.
Use tool →Burn Rate Calculator
Estimate monthly burn and runway from current cash balance and operating spend.. Free online, browser-based tool with instant results and no signup.
Use tool →Frequently Asked Questions
How do I calculate the break-even point for a service business?
What is a good LTV to CAC ratio?
How much runway should a startup have?
What costs should I include in a startup cost estimate?
How do I calculate ROI on a marketing campaign?
Last updated: June 1, 2025