Business Formulas and Calculators for Owners and Managers

I built this site because the same financial questions come up over and over in small business — especially in construction. What's my labor burden rate? How much is my company worth? Why am I profitable but always short on cash? Most owners don't have someone to ask, or they don't want to make a phone call every time a basic question comes up. So I built a place where you can just look it up. It’s free, with no login, no paywall, no subscription - just the tools and formulas you actually need.

What You'll Find Here

Construction Formulas Calculators and formulas built specifically for contractors, subcontractors, and specialty trade companies. Topics include job costing, overhead recovery, cash flow, change order margins, debt service, and break-even analysis.

General Business Formulas Calculators and formulas that apply across industries. Topics include profitability, liquidity, efficiency, break-even analysis, markup versus margin, and return on assets and equity.

Payroll and HR Formulas Calculators and reference tools covering workforce costs and compliance. Topics include employee turnover, cost per hire, absenteeism, workers comp experience modifiers, benefits cost, and full-time equivalent calculations.

Financial Strategy Tools for evaluating business value, financing decisions, and capital investment. Topics include business valuation, seller's discretionary earnings, debt capacity, borrowing base, loan amortization, cash flow forecasting, and return on investment.

Key Terms A plain-language glossary of the business and financial terms used throughout this site, with links to the pages where each topic is covered in depth.

New tools are added regularly. Use the navigation above to browse by category.