Business & SaaS · 39 calculators
Business and SaaS calculators
MRR growth, CAC/LTV, churn, runway, ESOP dilution, rule of 40, SaaS magic number — unit economics for operators and founders.
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Customer Acquisition Cost (CAC) calculator
Fully-loaded CAC: sales + marketing spend ÷ new customers, with blended and paid-only views.
Lifetime Value (LTV) calculator
Gross-margin LTV = ARPU × gross margin ÷ churn — the real number, not revenue LTV.
LTV:CAC ratio + payback period
LTV-to-CAC ratio and months to recover CAC — the health metric every SaaS investor checks first.
SaaS pricing ladder tester
Starter / Pro / Enterprise mix — see how tier pricing and adoption % drive blended ARPU.
Freemium conversion rate calculator
Free users × conversion % × ARPU − free hosting cost — does freemium beat trial for you?
Employee stock option dilution
How much new-round dilution costs employee option grants — pre- vs post-money dilution math.
ESOP vesting cliff calculator
Vested-share value across 4-year / 1-year cliff schedules — what you keep if you leave at month N.
Break-even analysis calculator
Break-even units and revenue from fixed costs, variable cost per unit, and selling price — with contribution margin ratio.
Operating margin calculator
Operating margin, gross margin, and net margin from revenue and cost inputs — benchmarked to industry medians.
Working capital requirement
Working capital needed from AR days, AP days, inventory days, and daily revenue — the cash tied up in your operating cycle.
Accounts receivable days (DSO)
Days sales outstanding from AR balance and annual revenue — the average days it takes to collect what you're owed.
Inventory turnover ratio
Inventory turnover, days inventory outstanding, and GMROI from COGS and average inventory balance.
EBITDA calculator
EBITDA, EBITDA margin, and EV/EBITDA valuation multiple from P&L line items — the number acquirers and lenders use.
Marketing budget as % of revenue
Target marketing spend from revenue, growth stage, and business model — with industry benchmark ranges for B2B vs B2C.
Profit margin by product line
Gross and net margin for up to 5 product lines — blended margin, revenue-weighted average, and which line to grow.
Quick ratio and current ratio
Current ratio and quick ratio from balance sheet inputs — and whether your liquidity position passes lender stress tests.
Freelance true hourly rate calculator
Compute what you actually need to charge per billable hour to match a target take-home — accounting for self-employment tax, retirement contributions, health insurance, time off, and utilization.
Payment processor fee comparison calculator
Compare annual processing cost across Stripe, Square, PayPal, Adyen, and interchange-plus pricing — accounting for AOV, dispute rate, international mix, and chargeback fees.
Restaurant food cost percentage calculator
Calculate your food cost percentage, ideal menu price, and gross margin per dish — including waste, theft, and yield adjustments that most restaurant owners forget.
Agency utilization + billable rate calculator
Compute the minimum billable hourly rate to hit a target margin given staff fully-loaded cost, target utilization rate, and overhead.
SaaS Magic Number calculator
Compute the SaaS Magic Number (sales efficiency) — annualized new ARR divided by sales + marketing spend, the gold standard sales efficiency metric.
Sole prop vs LLC vs S-Corp tax savings
Compare federal tax owed across sole proprietor, LLC (default), and S-Corp election structures at a given net SE income.
Stock option exercise tax + cost calculator
Project the cost + tax to exercise NSO or ISO stock options at IPO or before — strike price + bargain element + ordinary or AMT tax.
Accounts receivable aging cash impact
Quantify the cash impact of slow-paying customers — outstanding AR, average days sales outstanding (DSO), and cost of capital tied up.
Headcount burn budget calculator
Project monthly burn and runway impact of adding N hires by role and role-mix — fully-loaded cost including burden + tools.
Net Revenue Retention (NRR) calculator
Compute SaaS Net Revenue Retention from cohort starting MRR, expansion, contraction, and churn — the single best signal of product-market fit at scale.
Business EBITDA multiple valuation
Estimate small business sale price from trailing-12-month EBITDA + industry multiple range — including SDE adjustments for owner comp + perks.
Payback period calculator (simple & discounted)
Simple and discounted payback period with profitability index and NPV — the capital budgeting screen every CFO runs before approving a project.
Rule of 40 calculator (SaaS growth + profitability)
Add ARR growth rate to EBITDA (or FCF) margin — the SaaS health benchmark investors use to balance growth investment against profitability.
WACC calculator (weighted average cost of capital)
Blend cost of equity (CAPM) and after-tax cost of debt at market-value weights — the discount rate that drives every DCF valuation.
Subscription cohort LTV calculator
Project lifetime value per cohort from MRR, gross margin, and monthly churn — the unit-economics number that decides paid-acquisition spend.
Freelance effective hourly rate calculator
Translate a desired take-home into a billable hourly rate after taxes, benefits, unpaid time, and overhead. The math most freelancers underprice into a corner.
Side-hustle break-even calculator
How many units (or hours, or subs) you have to sell before the side hustle covers its setup + monthly costs. Fixed-cost + variable-cost + price-per-unit model.
FAQ
business & saas questions, answered
Q1.What's a healthy LTV:CAC ratio?
3:1 is the textbook target — every dollar of acquisition cost returns three dollars of lifetime value. Below 1.5:1 is broken (you're losing money on each customer). Above 5:1 sometimes signals under-investment in growth. The calculator decomposes both sides — gross margin × ARPU / churn rate for LTV, blended sales+marketing per acquired customer for CAC — so you can see which lever is weak.
Q2.How is rule of 40 actually applied?
Growth rate (annual) plus operating margin (FCF margin or EBITDA margin) should sum to 40% or higher for a healthy SaaS company. A startup growing 80% with -40% margins still passes; a mature company growing 15% with 25% margins also passes. Below 40% over multiple periods is the warning sign — either accelerate growth or expand margin. Public-comp investors use this as a quick sanity check before deeper analysis.
Q3.What's CAC payback and how does it differ from LTV:CAC?
CAC payback is months until you recover the acquisition cost from gross profit — a cash-flow metric. LTV:CAC is total economic return — a unit-economics metric. A long payback (24+ months) is fine if LTV:CAC is strong, but it stresses cash flow and growth funding. SaaS benchmarks: under 12 months is excellent, 12-18 is healthy, 18-24 is borderline, over 24 starts to look like a working-capital problem.
Q4.How does the runway calculator handle non-linear burn?
It models monthly burn as cash-out minus cash-in (revenue), with input fields for hiring plans, growth rate, and one-time outflows. Output is months-of-runway and the cash position month-by-month. If you're modeling a hire wave or a planned price increase, override the static burn rate — most companies don't have a flat burn curve.
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