Practical numbers, explained.
SmallBiz Lab provides eleven free calculators for independent businesses. Use them to explore job costs, prices, margins, sales tax, cash flow, investment returns, borrowing, and hourly rates.
How the calculators work
Calculations run in your browser. Each guide explains the formula, gives a worked example, and identifies assumptions that can change the result. Example inputs are illustrations, not industry benchmarks or recommended targets.
Use figures from the same period and currency. Dollar displays use USD formatting; the tools do not convert currencies. Results may be rounded for display. Loan estimates assume fixed interest and monthly payments; tax calculations use the rate you enter and do not look up local rules.
Check the result against your business
These tools provide educational estimates, not individualized accounting, investment, tax, or legal advice. Compare results with your records and confirm significant decisions with a qualified professional who understands your circumstances.
How the site is supported
The calculators are free to use. Advertising may support the site. Advertisements are separate from the formulas and do not determine your calculator results. See our privacy information for details about data and third-party services.