BusCalcTools

Funding, ROI & Valuation Calculators

Five calculators and seven guides that answer the big-decision questions in business finance โ€” whether to take a loan, whether an investment is worth making, what your business is worth to a buyer, and whether your growth rate matches investor expectations.

These are the calculations behind every major financial decision a business owner makes. The ROI Calculator and Payback Period Calculator answer the same question from two angles โ€” total return and speed of recovery. The Business Loan Calculator produces a monthly payment and amortisation table for any loan amount and term. The Business Valuation Calculator runs three valuation methods side-by-side so you can defend an asking price.

Use the calculators alongside the guides. The payback-vs-ROI article explains which metric to use when. The how-to-value-a-business article walks through the multiples buyers actually pay (most owners overestimate by 50%+). The SBA vs conventional loan article compares total cost on a $200k example โ€” the answer is often surprising.

Whether you're raising capital, deploying capital, or preparing to exit, the maths starts here.

Calculators in this topic

Guides

Funding & Valuation โ€” frequently asked questions

How do I calculate ROI?
ROI = ((Net Return โˆ’ Investment) รท Investment) ร— 100. A $10,000 investment that earns back $13,500 has a 35% ROI. For investments held over different durations, use annualised ROI: ((1 + ROI รท 100) ^ (12 รท months)) โˆ’ 1) ร— 100.
What's a good payback period?
Most businesses target 2โ€“3 years for equipment and 1โ€“2 years for marketing investments. Anything over 5 years requires careful consideration of opportunity cost and the asset's useful life. Pair payback period with ROI โ€” payback measures speed, ROI measures total return.
How do I value my small business?
Most small businesses sell at 3โ€“7ร— EBITDA. SaaS commands 3โ€“8ร— revenue. Service businesses at 2โ€“4ร— EBITDA. The Business Valuation Calculator runs all three methods (revenue multiple, EBITDA multiple, DCF) side-by-side and gives you a defensible range, not a single number.
What's a healthy revenue growth rate?
Early-stage businesses (< $1M) should target 50%+ YoY growth. Established small businesses (>$1M) target 10โ€“20%. Mature businesses target 5โ€“10%. SaaS companies often follow T2D3: triple, triple, double, double, double over 5 years from $1M ARR.

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For information only. This calculator does not constitute financial, accounting, or tax advice. Consult a qualified professional before making business decisions.

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