Free Tools
Financial clarity for small-business owners.
Twelve calculators built by bookkeepers and a 40-year banking veteran. No signup, no email required for most — just the numbers you need to run your business. Two tools (the 13-Week Cash Flow Forecast and IOLTA Compliance Check) ask for your name and email so we can send your results.
Business Health
Business Health Check
Ten questions, three minutes. Get a graded snapshot across books, cash, profit, debt, and controls — plus the three fixes that matter most.
Open toolCash Flow
Cash Flow Calculator
See your net monthly cash flow, your reserve cushion, and where your bank balance is headed over the next six months.
Open toolCash Flow
13-Week Cash Flow Forecast
The rolling forecast lenders and CFOs use in a turnaround. Weekly inflows and outflows, ending bank balance every week, and a flag for the week you'd dip below your safety floor.
Name & email required to receive results
Open toolFinancing
SBA Loan Calculator
Live 7(a) payment, guaranty fee, total interest, and the debt-service coverage ratio your SBA lender will underwrite — all in one screen.
Open toolFinancing
DSCR Calculator
Calculate your debt service coverage ratio the way a lender does, and see whether your cash flow clears the 1.25x most banks want.
Open toolFinancing
Loan Affordability (DSCR)
How much can your business actually borrow? Uses the same debt-service-coverage method lenders apply in underwriting.
Open toolPricing & Profit
Profit Margin Calculator
Gross, operating, and net margin from one month of numbers — plus the revenue or cost cut you'd need to hit your target margin.
Open toolPricing & Profit
Pricing Floor Calculator
Find the lowest price you can charge each client and still cover your overhead, your direct costs, and your target profit.
Open toolPricing & Profit
Break-Even Calculator
Find the exact sales volume and revenue where your business starts making money — and how far sales can fall before losses.
Open toolBookkeeping
True Cost of DIY Bookkeeping
Doing your own books feels free. Put a real number on the hours, errors, and missed deductions — then compare.
Open toolConstruction
Job Profitability Calculator
Is that job actually making money? Includes the overhead allocation most contractors forget — plus your break-even bid price.
Open toolLaw Firms
IOLTA Compliance Check
Ten questions covering the trust-account controls bar auditors actually check — from three-way reconciliation to record retention.
Name & email required to receive results
Open toolRelated pages and guides
- Catch-up bookkeeping & cleanupCalculators only work on clean numbers — start here.
- Bookkeeping & CFO pricing benchmarksSourced Houston and national rate data.
- SBA loan bookkeeping guideTurn calculator output into a lender package.
- Houston bookkeeping servicesLet us run the numbers monthly.
- Industries we serveIndustry-specific reporting and KPIs.
- Houston bookkeeping blogWorked examples behind each calculator.