Planning & operations
Invoicing, quotes, stock and cash-flow arithmetic for running a small business day to day. 42 tools, including Calendar event (.ics), Project ROI calculator, Quote generator and Average collection period calculator. All free, with no account and nothing to install.
Calendar event (.ics)Create a calendar event and download it as an .ics file for any app.Project ROI calculatorCompute profit and return on investment from cost and revenue.Quote generatorBuild a quote with line items and VAT, then download it as HTML.Average collection period calculatorHow many days, on average, it takes to collect payment after a credit sale: average receivables ÷ net credit sales × days in the period. A lower number means faster cash collection and healthier cash flow.Capacity utilization calculatorCompute how much of your production capacity is actually being used.Capital employed calculatorCapital employed — the total capital a business uses to generate profit — by any of the three standard methods: total assets minus current liabilities, non-current assets plus working capital, or equity plus non-current liabilities. Add operating profit (EBIT) and it also returns the ROCE.Cash Ratio CalculatorDivide cash and marketable securities by current liabilities — the strictest liquidity test, with the share of short-term debt payable today.Cost of goods sold (COGS) calculatorCompute cost of goods sold from beginning inventory, purchases and ending inventory.Current ratio calculatorCompute the current ratio from current assets and current liabilities.Days sales outstanding (DSO) calculatorCompute how many days on average it takes to collect payment from customers.Debt service coverage ratio (DSCR) calculatorThe DSCR — net operating income ÷ total debt service — tells lenders whether a property or business earns enough to cover its loan payments. A DSCR of 1.25 means income is 25% above the debt due, the level most commercial lenders require. Below 1.0 the cash flow cannot cover the debt.Debt-to-asset ratio calculatorThe debt-to-asset ratio — total liabilities ÷ total assets, expressed as a percentage — shows what share of a company's assets is financed by debt. A ratio of 40% means creditors fund 40% of the assets and owners the rest. It is a core solvency gauge; this is distinct from the debt-to-income ratio used for personal loans.Debt-to-equity ratio calculatorCompute a company's debt-to-equity ratio from total debt and equity.Double declining depreciation calculatorCompute the first-year double-declining-balance depreciation of an asset.EBIT calculatorCompute EBIT — earnings before interest and taxes — from operating revenue, operating expenses and any non-operating income. EBIT strips out financing and tax effects to show the raw operating profit a business generates, and the calculator also reports the pure operating income and the EBIT margin.EBITDA calculatorCompute EBITDA by adding back interest, taxes, depreciation and amortization to net income.Economic order quantity (EOQ) calculatorCompute the order quantity that minimizes total inventory cost.Equity multiplier calculatorThe equity multiplier — total assets ÷ shareholders' equity — shows how much of a company's assets are financed by equity versus debt. A value of 2 means half the assets are debt-funded; a higher multiplier signals more financial leverage and risk. The tool also derives the debt ratio (1 − 1/EM) and the equity ratio.FIFO and LIFO inventory calculatorValue inventory and cost of goods sold three ways at once — FIFO, LIFO and weighted average. Add each purchase batch with its quantity and unit cost, enter the units sold, and it computes the COGS, ending inventory value and units on hand under all three methods so you can compare their profit impact side by side.Fixed charge coverage ratio (FCCR) calculatorThe fixed charge coverage ratio widens interest coverage to include lease and other fixed charges: (EBIT + fixed charges) ÷ (fixed charges + interest). Switch to EBITDA mode to add back depreciation and amortisation, and add principal repayments grossed up by the tax rate when a loan covenant defines FCCR that way. Lenders often require at least 1.25.GMROI calculatorCompute gross margin return on inventory investment.Interest coverage ratio (ICR) calculatorThe interest coverage ratio — EBIT ÷ interest expense — shows how comfortably operating profit covers interest on debt. Analysts often use an EBITDA variant that adds depreciation and amortisation back, giving a cash-flow-based view of the same cushion. Values under 1.5 are generally seen as risky.Inventory period calculatorDays Inventory Outstanding — how long stock sits before it sells: average inventory ÷ cost of goods sold × days, or simply days ÷ inventory turnover if you already know the ratio. Lower is faster turnover and better cash flow.Inventory shrinkage calculatorMeasure inventory shrinkage as a percentage and value from book vs counted stock.Invoice GeneratorCreate a clean, printable invoice with live preview — items, tax, discount and PDF export.Market share calculatorCompute your market share from your sales and the total market size.Payback period calculatorWork out how long an investment takes to pay for itself.Quick ratio calculatorCompute the quick (acid-test) ratio, excluding inventory from current assets.Reorder point calculatorFind the inventory level at which to reorder, from demand, lead time and safety stock.Return on assets (ROA) calculatorCompute return on assets from net income and total assets.Return on equity (ROE) calculatorCompute return on equity from net income and shareholder equity.Return on net assets calculatorReturn on net assets (RONA) shows how well a company turns its fixed assets and working capital into profit. It divides net income by the sum of fixed assets and working capital, rewarding businesses that generate strong earnings from a lean asset base.ROCE calculatorReturn on capital employed measures how much operating profit a company squeezes from every unit of long-term capital. It divides EBIT by capital employed (total assets minus current liabilities) — a favourite of value investors for comparing capital efficiency across firms and against the cost of capital.ROI calculator (return on investment)Work out your return on investment as a percentage from the amount invested and the amount returned.Safety stock calculatorThe buffer inventory that protects against stockouts when demand or lead time varies: SS = Z·√(LT·σ_d² + d²·σ_LT²), where Z comes from your target service level. Enter demand, lead time and their variability, and it returns the safety stock and the reorder point.Sell-through rate calculatorCompute the sell-through rate — the share of received stock that sold.Side hustle ROI calculatorIs your side hustle actually worth it? From revenue, running costs, hours and any start-up spend, it works out profit, the return on investment, and your real hourly rate — then compares that against your day-job wage so you can see if the time pays off.Six Sigma Process Capability Calculator (Cp, Cpk, Pp, Ppk)Cp against Cpk is the whole point: Cp assumes the process sits centred between the limits, Cpk does not, so a process can score an excellent Cp and a dreadful Cpk simply by drifting off target. Work from summary statistics, or paste raw measurements in subgroups and get σ_within from R̄/d₂ (Cp, Cpk) alongside σ_overall (Pp, Ppk) — two different numbers that are constantly confused. Sigma level, DPMO, expected yield and a chart against the spec limits round it off; one-sided specs are supported.Straight-line depreciation calculatorCompute the yearly straight-line depreciation of an asset.Takt time calculatorCompute the takt time — the pace of production needed to meet demand.Times interest earned (TIE) calculatorTimes interest earned — EBIT ÷ interest expense — measures how many times a company's operating profit covers its interest payments. A TIE of 5 means earnings could pay the interest bill five times over; lenders view higher values as safer. It is the classic solvency ratio for gauging default risk on debt.Working capital calculatorCompute working capital and the working-capital ratio from current assets and liabilities.