Free financial calculators & smart tools for small business owners, freelancers, and solopreneurs. Plan cash flow, margins, and taxes with confidence.
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Joined July 2026
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Stop guessing your business math.
Welcome to @BizCalcLab 📊
Free calculators for founders & freelancers:
• Pricing & Profit Margins
• 1099 vs W-2 True Take-Home
• SDE Business Valuation
100% free & client-side. Zero signup :
bizcalclab.com
Loan A: 8.5% rate + 3% upfront origination fee.
Loan B: 9.25% rate + zero fees.
Which is cheaper over 3 years?
Loan B actually saves you $1,240. Never look at headline rates alone.
Compare loan offers side-by-side:
bizcalclab.com/loan-comparis…
Carrying $40,000 in credit card debt at 18% APR?
Paying an extra $350/mo toward principal shaves 4.2 years off repayment and saves $14,800 in interest.
See your exact debt-free date with extra payments:
bizcalclab.com/debt-payoff-c…
Paying an employee $25/hr for 48 hours in California?
Under California DLSE § 510, daily overtime + 7th-day rules can push pay well past standard federal 1.5x FLSA.
Don't guess overtime or risk wage claims.
Run the numbers:
bizcalclab.com/overtime-calc…
Waiting 45 days on a $50,000 client invoice?
Factoring advances you $42,500 today, but a 3% monthly discount fee costs $1,500.
That equals an effective 26% APR.
See your exact net cash payout after fees:
bizcalclab.com/invoice-facto…
Charging $29/mo with a 5% monthly churn?
Your average customer lifetime value (LTV) is only $580. Raise price to $49/mo and LTV jumps to $980.
Pricing is your highest-leverage growth knob.
Simulate your SaaS tiers:
bizcalclab.com/saas-pricing-…
Founders consistently underestimate launch costs by 35%.
Legal setup ($1.5k), software ($400/mo), inventory, and a 3-month cash buffer add up fast.
Map your real pre-revenue runway before you burn cash:
bizcalclab.com/startup-cost-…
Taking an SBA 7(a) loan for $350k?
Between the prime rate margin and the 2.77% upfront guaranty fee, lifetime interest can top $180k.
Know your exact monthly debt service before applying:
bizcalclab.com/sba-loan-calc…
Sales are up, but the bank account is empty?
If clients take 45 days to pay while payroll hits every 14 days, you can be profitable and still go bankrupt.
Profit is an opinion. Cash flow is a fact.
Forecast your runway:
bizcalclab.com/cash-flow-cal…
Borrowing $100,000 at 9.5% for 5 years?
Your monthly payment is $2,100, but total interest is $26,014.
Don’t sign a commercial loan without seeing your full amortization schedule and true APR.
Model it in seconds:
bizcalclab.com/business-loan…
Made $80k freelancing this year?
Your 15.3% self-employment tax alone is roughly $11,304 — BEFORE standard federal income tax kicks in.
That catches 80% of first-year 1099s off guard.
Calculate your 2026 FICA tax bill:
bizcalclab.com/self-employme…
A $60k employee actually costs you ~$81k.
That $21,000 gap?
• FICA tax: $4,590
• Health: $6,000
• Workers' comp & UI: ~$2,400
• Benefits/PTO: $8k+
Before extending an offer, calculate your true loaded cost:
bizcalclab.com/employee-cost…
Sell a product for $100 with $40 costs and $6k overhead?
You must sell 100 units just to break even. Unit #101 is your first dollar of profit.
Most small business owners guess this number. Don't.
Calculate your exact zero-point:
bizcalclab.com/break-even-ca…
How much can this business actually make? Project from 3 angles:
Units x price | Hours x rate | Customers x subscription
bizcalclab.com/business-reve…
#smallbusiness #revenueprojection #startup
Net worth = the scorecard of your financial decisions.
Assets - Liabilities. Track it. Grow it.
bizcalclab.com/net-worth-cal…
#networth #personalfinance #smallbusiness
Section 179 vs Bonus vs Straight-Line - which saves most tax?
Free tool calculates all 3 methods + comparison:
bizcalclab.com/depreciation-…
#accounting #depreciation #taxdeduction
Is this investment worth it? ROI % is easy. Real question: compared to what?
Free calculator - dollar amount + percentage:
bizcalclab.com/roi-calculato…
#investing #roi #smallbusiness
2027 Tax Brackets (Bloomberg + TR consensus, Sept 11):
Single:
• 10% → $12,800
• 24% → $208,325
• 37% → over $661,375
Std Ded: $16,600 Single / $33,200 MFJ
Cap Gains 0%: $51,050 / $102,100
SS wage base: ~$190,200
Free estimator → bizcalclab.com/blog/2027-tax…
EBITDA = Net Income + Interest + Taxes + Depreciation + Amortization.
Buyers use it to value your business.
bizcalclab.com/ebitda-calcul…
#smallbusiness #valuation #ebitda
Can I cover payroll next month?
Working Capital = Current Assets - Current Liabilities
bizcalclab.com/working-capit…
#smallbusiness #workingcapital #cashflow