Business Calculators
Numbers a small business owner needs before pricing, borrowing or chasing a late payment.
- GST CalculatorAdd or remove GST at any rate, with the CGST + SGST split for same-state sales and IGST for inter-state.
- Working Capital CalculatorEstimate your working capital gap from receivable days, inventory days and payable days.
- TReDS Invoice Discounting CalculatorWhat you receive upfront when discounting an invoice on TReDS: discount charge, platform fee, net advance and annualised cost.
- Business Startup Cost CalculatorTotal money needed to start a small business in India: setup capital, monthly running cost, break-even and a cash buffer.
- Business Stress-Test SimulatorRevenue down 10%, costs up 15%, rates up 2%: see what happens to profit, EMI cover and cash runway, side by side.
- MSME Loan Readiness ScoreScore how ready your business is for a loan across registration, compliance, banking, credit and documentation, with what to fix first.
- Government Scheme Finder for MSMEsMatch your business profile against MUDRA, PMEGP, CGTMSE, Stand-Up India and state schemes, with links to official portals.
- Quick Scheme FilterFilter central MSME schemes by purpose, business type and state in one screen: MUDRA, PMEGP, CGTMSE, Stand-Up India.
- Profit Margin CalculatorProfit, gross margin and markup from cost and selling price, so you price correctly and never confuse margin with markup.
- Markup CalculatorSelling price from cost and markup, or the markup needed to hit a target margin, plus the GST-inclusive price.
- Break-Even CalculatorUnits and sales you need each month to cover fixed costs, from price, variable cost and fixed costs.
- ROI CalculatorReturn on investment as a total percentage and an annualised rate, for any business or personal investment.
- Discount CalculatorFinal price after a discount, including stacked discounts like 'extra 10% off', and how much you save.
- Percentage CalculatorX% of a number, what percent one number is of another, and percentage increase or decrease, in one place.
- Depreciation CalculatorDepreciation by straight-line or written-down value method, year-one charge and the book value after any number of years.
- Payback Period CalculatorHow long an investment takes to pay for itself from yearly or monthly cash it generates.
- NPV & IRR CalculatorNet present value and internal rate of return of a project from the investment, yearly cash flow, growth and discount rate.
- MSME Delayed Payment Interest CalculatorInterest a buyer owes an MSE supplier for late payment under the MSMED Act: compound interest at three times the RBI bank rate.
- DSCR CalculatorDebt service coverage ratio: whether your business earns enough to cover loan repayments, the number banks check first.
- Runway & Burn Rate CalculatorMonthly burn rate and how many months of cash your startup or small business has left.
- Debtor Days CalculatorHow many days customers take to pay (DSO), from receivables and credit sales, and the cash tied up.
- Inventory Turnover CalculatorHow many times stock turns over in a year and the days of inventory you hold, from cost of goods sold.
- Current & Quick Ratio CalculatorCurrent ratio and quick ratio from your balance sheet: can the business pay its short-term bills?
- Freelance Rate CalculatorThe hourly and day rate a freelancer or consultant needs to hit a target income after expenses, tax and unpaid time.