BizFinanceCalc — Advanced Business Finance & Runway Suite

How to Use

Loan Calculator: Enter loan amount, annual interest rate (APR), and loan term to calculate monthly payments.

Break-Even Analysis: Find the minimum units/sales needed to cover all costs. Fixed costs stay the same (rent, salaries); variable costs change per unit (materials, packaging).

Runway Calculator: Calculate how many months your cash will last at current burn rate. Burn rate = monthly costs.

Real-time Results: All values update instantly as you type — no button clicking needed.

Example: SaaS startup with £8,500 fixed costs, £12 variable cost per user, £49 price per user = break-even at ~208 users/month.

Commercial Loan & Lease Calculator

Principal Amount ($)

Interest Rate (% Annual)

Term (Months)

Extra Fees ($)

Break-Even & ROI Calculator

Fixed Costs ($)

Variable Cost per Unit ($)

Selling Price per Unit ($)

Expected Sales Units

Cash Flow Runway Clock

Cash on Hand ($)

Monthly Burn Rate ($)

Monthly Revenue ($)

About the Business Finance Calculator Suite

BizFinanceCalc gives small business owners a fast, no-signup way to run the financial calculations that usually mean either a messy spreadsheet or a call to an accountant: loan payments, break-even points, cash runway, and ROI. Every calculation runs instantly in your browser — nothing is sent to a server, and there's no account required.

Who This Is For

Freelancers checking whether a new loan payment fits their monthly cash flow. Retail owners figuring out how many units they need to sell to break even on a new product line. Founders tracking how many months of runway they have left before the next funding milestone. If you've ever built a rough version of one of these calculations in a spreadsheet and weren't fully sure you did the formula right, that's exactly what this tool replaces.

Frequently Asked Questions

Is this actually free? Yes — no account, no credit card, no usage limit. The calculators are free to use as many times as you need.

Does it store my financial data? No. Calculations run entirely in your browser. Nothing you enter is transmitted or saved on our end.

How accurate are the results? The calculators use standard financial formulas (amortization, break-even, ROI). Accuracy depends on the numbers you enter — always double-check inputs like interest rate and term length against your actual loan documents.

Can I use this for a real business decision? These tools are built to give you a fast, reliable first pass. For decisions with real money on the line, use the numbers here as a starting point for a conversation with your accountant or lender, not as a substitute for one.