Financial Tools
Use our free financial calculators to model scenarios, test assumptions, and make decisions backed by data. No signup required. Start planning today.
Explore toolsWhy Calculators Matter
Most small business owners know their gut. Our calculators turn that instinct into math. Model your break-even point, forecast cash flow across seasons, and test what happens if revenue dips. Every scenario is based on your actual numbers—not industry averages.
Calculators Available
8
Scenarios Per Tool
5+
Cost to You
$0
Our Tools
Know exactly how much revenue you need each month just to cover your costs. Separate fixed costs (rent, salaries, insurance) from variable costs (materials, commissions) and see what happens if revenue drops 10% or 25%.
Rent, salaries, insurance, utilities
Materials, direct labor as % of revenue
Revenue Down 10%
$23,780
Your new minimum to cover costs
Revenue Down 25%
$21,300
Your break-even in a downturn
Safety Margin
How much above break-even you should run
Buffer for unexpected costs or slower sales
💡 Tip: If your actual revenue is only 20% above break-even, you're vulnerable to a single bad month. Most healthy businesses run at 40–60% above break-even.
Profit and cash are not the same. This tool forecasts your actual cash position across 12 months by accounting for when you pay suppliers, when customers pay invoices, and seasonal revenue swings. See when you might run out of cash and plan ahead.
Invoice terms: 0 = cash, 30 = 30 days, 60 = 60 days
Payment Delays = Hidden Cash Needs
If customers take 30 days to pay but you pay suppliers in 15 days, that 15-day gap multiplies across all your customers. This tool shows the real cost.
Seasonal Swings Compound
If Q4 is 50% of your annual revenue, you'll need cash reserves in Q3 to cover operations while waiting for those invoices to come in.
Runway Tells You When to Act
If your lowest point is only $5,000 above zero, a single lost customer or delayed payment can wipe you out. Plan a credit line before you need it.
Know your true profit per unit sold. This includes direct costs (materials, labor) plus your fair share of overhead (rent, utilities, admin). Many owners price based on materials alone and accidentally operate at a loss.
Materials, packaging, direct labor
Rent, utilities, salaries, admin, marketing
Example: You sell 1,500 units at $45 each. Materials cost $15 per unit. On paper, you make $30 profit per unit. But you have $12,000 in monthly overhead (rent, utilities, one part-time admin person).
The real picture: That $12,000 overhead is $8 per unit ($12,000 ÷ 1,500 units). Your actual profit per unit is $30 − $8 = $22, not $30. Your true margin is 49%, not 67%.
If you dropped to 1,000 units per month, overhead becomes $12 per unit, and your margin shrinks to $15 per unit. Pricing decisions look very different when you see the real numbers.
Additional Calculators
Model a bank loan or vendor financing deal. See your monthly payment, total interest, and how much cash you free up versus reinvesting earnings.
Use when:
Evaluating a business loan, equipment financing, or trade credit terms.
Allocate marketing spend by channel and calculate the true cost to acquire each customer. Compare channels to see which actually works.
Use when:
Deciding where to spend your marketing budget and which channels drive real ROI.
Calculate how much working capital is tied up in stock and what it costs to hold inventory. Optimize reorder frequency and batch sizes.
Use when:
Managing stock levels and deciding whether to order more frequently or in larger batches.
Singapore tax and CPF obligations shift at the 10-employee threshold. See the real cost difference between 9 and 10 employees.
Use when:
Planning your next hire and understanding the real cost of employment compliance.
Model what happens to profitability, runway, and cash if revenue drops 10%, 25%, or 50%. Plan for resilience.
Use when:
Testing how resilient your business is to market downturns and unexpected revenue shocks.
Calculate debt-to-equity, current ratio, and working capital metrics. Compare your business to industry benchmarks.
Use when:
Getting a quick health check or preparing for conversations with lenders and advisors.
How It Helps
I realized I was pricing my services $8 below what I actually needed to cover my overhead. The unit economics tool showed me the real margin. Changed my pricing, didn't lose customers, and turned a struggling quarter into my first profitable one.
Alex Chen
Founder, Design Studio
Every month I'd wonder if I could afford to hire someone. The cash flow tool shows me exactly when I'd hit my lowest point—turns out it's always July. Now I know I can hire in May and have enough runway. No more guessing.
Priya Lim
CEO, E-Commerce
All calculations are based on the inputs you provide and are designed to help you model scenarios and make data-informed decisions. They are not substitutes for professional advice.
DisenHub is an educational resource for small business planning, not a provider of accounting, tax, legal, or investment advice. Use these tools to sharpen your thinking, not to replace professional guidance.
Start with a calculator, then explore our financial planning guides and resources. All tools are free and available on demand.
