Planypals

01 / Free tools

Calculators that pressure-test your numbers.

Free, no sign-up. Run the math behind a fundable plan, then let us build it into a full model when you are ready.

Startup Financial Model

The connected model: enter your numbers once and project 12 months of P&L and cash, with runway, break-even, margins, and a valuation derived together.

Open the tool

Startup Cost Calculator

Add your one-time and monthly costs to estimate the total capital you need to launch — with a runway buffer lenders and investors expect.

Open the tool

Break-Even Calculator

Find the units and revenue you need to break even from your fixed costs, price, and variable cost, plus contribution margin and a profit target.

Open the tool

Profit Margin Calculator

Turn revenue and cost into gross margin, markup, and net profit margin — and finally see the difference between margin and markup.

Open the tool

Burn Rate Calculator

Enter your cash, revenue, and expenses to find your net and gross monthly burn rate and exactly how many months of runway you have left.

Open the tool

TAM SAM SOM Calculator

Size your total, serviceable, and obtainable market top-down or bottom-up — the market slide investors expect in your pitch deck.

Open the tool

Startup Valuation Calculator

Value your startup four ways — revenue multiple, Scorecard, VC method, and pre/post-money dilution for a funding round.

Open the tool

WACC Calculator

Find your weighted average cost of capital from equity, debt, and their costs — the discount rate behind a DCF valuation.

Open the tool

LTV & CAC Calculator

Turn ARPA, margin, churn, and acquisition cost into customer lifetime value, your LTV:CAC ratio, and CAC payback period.

Open the tool

Business Valuation Calculator

Estimate what an established business is worth on an earnings (SDE/EBITDA) or revenue multiple, with a realistic value range.

Open the tool

Business Loan Calculator

See the monthly payment, total interest, and balance over time for a business or SBA loan before you sign.

Open the tool

DSCR Calculator

Find your debt service coverage ratio — the number SBA and commercial lenders check first when underwriting a loan.

Open the tool

Cap Rate Calculator

Turn a property's income, expenses, and price into its capitalization rate and NOI — the yardstick for comparing real-estate deals.

Open the tool

Commercial Real Estate Loan Calculator

See the monthly payment and the balloon balance due on a commercial mortgage, with amortization and term set separately.

Open the tool

Food Cost Calculator

Price a dish from the plate up: food cost percentage, gross profit, and the menu price that hits your target — paste a recipe to total it.

Open the tool

Cost Per Mile Calculator

Find your true cost per mile, profit per mile, and monthly profit for an owner-operator or fleet — import your expenses to split fixed from variable.

Open the tool

Rental Property Calculator

See a rental's monthly cash flow, cash-on-cash return, and cap rate from the price, down payment, rent, and expenses — before you make an offer.

Open the tool

Amazon FBA Calculator

Work out net profit per unit, margin, and ROI on an Amazon FBA product after referral, fulfillment, and advertising fees — before you source it.

Open the tool

IRR & NPV Calculator

Evaluate an investment: internal rate of return, net present value, and payback period from an upfront cost and yearly cash flows.

Open the tool

Markup Calculator

Turn cost and markup percentage into a selling price and profit — and see the equivalent gross margin, so you never confuse the two.

Open the tool

Commission Calculator

Calculate sales commission and total pay from a sale amount, rate, and base — plus the effective rate on sales for comp planning.

Open the tool

ROAS Calculator

Find your return on ad spend, ACOS, and the break-even ROAS your margin demands — so you know when ads actually make money.

Open the tool

EBITDA Calculator

Add back interest, taxes, depreciation, and amortization to net income for EBITDA and EBITDA margin — the number buyers and lenders start with.

Open the tool
1Incomestatement2Balancesheet3Cashflow
The calculators feed a full 3-statement model — change a number and it flows through to cash and runway.

Get started

Need the numbers built into a real model?

Get a free, tailored quote for an investor- or lender-ready financial model.