Markup vs. Margin Calculator
Convert between markup and margin, compare selling price with cost, and calculate the price required for a target margin.
Free business tools
Free business calculators and tools
Use practical calculators, workbooks, worksheets, and planners to understand cash flow, pricing, hiring, marketing, and other business decisions before you spend more.
Calculators run in your browser with no account. Downloadable tools include practical instructions and clear boundaries.
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Calculators
Pricing and costs
Minimum-Charge Calculator
Estimate a practical minimum charge for small jobs using labor, travel, direct costs, overhead, risk, and intended profit.
Service Price Floor Calculator
Estimate the minimum viable price for a service or job after full delivery cost, owner time, overhead, risk, and target margin.
Loaded Employee Cost Calculator
Estimate first-year and recurring employee cost, including pay, employer taxes, workers’ compensation, benefits, tools, training, and hiring costs.
Marketing economics
Break-Even Lead-Cost Calculator
Estimate mathematical break-even and operating lead-cost targets using customer contribution, qualification rate, and close rate.
Cash timing
Vendor Payment Timing Calculator
Estimate how many days of direct costs are currently represented by accounts payable.
Cash Conversion Cycle Calculator
Estimate how long cash may remain tied up between paying for work or inventory and collecting from customers.
Equipment Replacement Calculator
Compare the estimated annual cost of keeping current equipment with replacing it, including repairs, downtime, financing, insurance, and maintenance.
Inventory
Inventory Aging Calculator
Estimate how many days of direct cost are currently represented by inventory.
Inventory Turnover Calculator
Estimate how often inventory is sold or used during a period.
Reorder Point Calculator
Estimate when one product should be reordered using daily demand, supplier lead time, and optional buffer stock.
Days of Supply Calculator
Estimate how many days the current stock of one product may last at the normal daily sales or usage rate.
Free downloadable tools
Downloadable workbooks, worksheets, and planners
Financial and cash management
13-Week Cash-Flow Workbook
Build a weekly cash forecast to see the low-cash week before it arrives.
Monthly Financial Review Workbook
Connect monthly P&L performance, balance-sheet position, cash movement, exceptions, and management actions.
Debt Readiness Checklist
Organize the numbers, documents, and questions to work through before applying for a business loan or line of credit.
Simple Business Books Workbook
Log cash-basis transactions from one fixed list of transaction types and see a monthly income statement, balance sheet, and cash summary.
Pricing, jobs, and hiring
Pricing and Job-Profitability Workbook
Compare estimated and actual job economics, margin leaks, customers, job types, and one price-change scenario.
Hiring and Capacity Planner
Test whether a proposed hire matches the business’s capacity constraint, role economics, cash support, alternatives, and readiness.
Marketing and sales
Marketing and Sales Performance Scorecard
Track channel performance, lead conversion, follow-up, quote losses, customer quality, and contribution by source.
Lead-to-Cash Handoff Checklist
Organize the handoff steps between winning a lead and collecting payment so fewer jobs stall or fall through.
Follow-Up Message Pack
Use ready-to-adapt follow-up messages to reach leads and quotes that have gone quiet.
Business protection and oversight
Responsible AI Use Register
Inventory AI uses and document Assist, Verify, and Decide controls, sensitive data, reviews, incidents, and owner actions.
Business Insurance Exposure Worksheet
Organize business exposures, policies, contract requirements, incidents, and questions before meeting with a licensed insurance agent or broker.
Business Records Retention Planner
Organize records, retention practices, legal holds, storage, disposal-review questions, and professional follow-up.
Contract Review Workbook
Organize a first-pass review of business terms, dates, documents, owner decisions, professional questions, and follow-up actions.
S Corporation Decision Worksheet
Organize the numbers and questions to bring to a qualified tax professional when weighing an S corporation election.
More free Owner Advisor resources