---
title: Free Small Business Financial Calculators | Countabl
description: "Free calculators built around the decisions founders and owners actually face: runway, burn, hiring, unit economics, pricing and more. No email required to run them."
image: https://www.countabl.io/hubfs/og-image.png
---

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[Countabl.](https://www.countabl.io/)

[Services](https://www.countabl.io/services) [How it works](https://www.countabl.io/how-it-works) [Who we work with](https://www.countabl.io/who-we-work-with) [Team](https://www.countabl.io/team)

[Notes](https://www.countabl.io/notes) [Tools](https://www.countabl.io/tools)[Calculators](https://www.countabl.io/tools)[Know Your Numbers](https://www.countabl.io/tools/know-your-numbers)[Finance Team Cost](https://www.countabl.io/tools/finance-team-cost)[Glossary](https://www.countabl.io/tools/glossary)

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Ready to get clarity?

30 min · no prep needed

Book a call →

Free tools for founders

# Run the numbers. *Make the call.*

Answers to the questions owners and founders actually ask, on your own numbers. Free, and nothing you type leaves your browser.

Go deeper

## Two tools that go past a quick estimate.

[The full libraryKnow Your NumbersEvery number a bank, a buyer or an investor will ask you for, each with its formula, the benchmark to judge it against, and the mistake most often made. Filter by industry and run any of them on your own numbers.Browse the library →](https://www.countabl.io/tools/know-your-numbers) [Hire, outsource or CountablWhat a finance team costsSay what the function needs to do and how big the business is. The same work is priced three ways side by side: W-2 hires at market salaries, outside firms at published rates, or one Countabl engagement, with the saving shown.Run the numbers →](https://www.countabl.io/tools/finance-team-cost)

Quick calculators

## Pick a question. *The answer opens below.*

Your business

Stays in your browser. Nothing is sent anywhere.

Reset to the example

Cash in the bank

$

Money in, per month

$

Money out, per month

$

People on payroll

How long does my cash last?

The month the bank account would hit zero, with and without the hires you plan.

Am I spending more than I bring in?

What goes out, what comes in, and how much the bank is covering.

Am I making money on each sale?

What you keep from each one, and how many cover your overhead.

What will I actually make on this job?

The price, what it costs to deliver, and what is left.

Can I afford this hire?

What one more person does to your cash, and what they bring back.

How long does it take to get paid?

Days from invoice to cash, and what getting paid faster is worth.

How much of my company am I giving up?

What a round costs you in ownership, before and after the option pool.

How soon could I see last month’s numbers?

Days to close your books, and what a faster close changes.

Pricing Profitability Calculator

Revenue per engagement

$

Delivery cost (total)

$

Engagement length (months)

Monthly overhead allocated

$

[Read the note: What a deal actually nets after you deliver it →](https://www.countabl.io/notes/pricing-profitability)

Copy results

[Get the full model ↓](https://www.countabl.io/tools#model-download)

DSO Calculator

Accounts receivable (current balance)

$

Revenue, last 90 days

$

Industry to benchmark against

SaaS / SubscriptionProfessional ServicesStaffing / ConsultingProject-Based

[Read the note: Revenue isn’t cash: how to get paid faster →](https://www.countabl.io/notes/ar-is-not-revenue)

Copy results

[Get the full model ↓](https://www.countabl.io/tools#model-download)

Raise & Dilution Modeler

Model your cap table before and after the round. Dilution, valuation multiples, and runway, all in one place.

Round details

Current ARR (annual recurring revenue)

$

Raise amount

$

Pre-money valuation

$

Current cap table

Founder ownership today: 75%

10%100%

Option pool today: 12%

0%25%

New option pool, % of pre-money: 5%

0%20%

Current cash position

Cash balance today

$

Monthly net burn

$

[Read the note: Pre-money, post-money, and the option pool shuffle →](https://www.countabl.io/notes/raise-and-dilution)

Copy results

[Get the full model ↓](https://www.countabl.io/tools#model-download)

Free download · Cap Table & Raise Model

Get the full Excel model, current cap table, round modeler with post-close ownership waterfall, and exit proceeds.

[Download .xlsx ↓](https://www.countabl.io/hubfs/Countabl_Raise_Dilution_Model.xlsx)

No email required.

Days to Close

Time it the way it matters: month-end to the numbers landing in front of you, not the days your accountant spent working.

Most recent close: day of the next month the numbers reached you

The close before that

The one before that

Benchmark: [APQC open-standards measure 104615](https://www.apqc.org/what-we-do/benchmarking/open-standards-benchmarking/measures/cycle-time-days-finance-shared) puts the median monthly close at 8.0 days across 3,389 organizations (accessed October 2026). That times the accounting work; the bands here are ours, timed from month-end to the numbers in your hands. [Why the close takes so long →](https://www.countabl.io/notes/month-end-close)

[Read the note: Why your month-end close takes so long →](https://www.countabl.io/notes/month-end-close)

Copy results

[Get the full model ↓](https://www.countabl.io/tools#model-download)

Free download

## The full model. *Not just a calculator.*

The answers above are directional. The spreadsheet gives you the whole picture: a 12-month profit and loss, cash with three scenarios, and what you make on each sale, all driven from one inputs tab. We call it the Financial Clarity Model.

- 12-month profit and loss: revenue, cost of sales, overhead, profit
- Cash month by month, with base, upside and stress cases
- How long your cash lasts, updated month by month
- A hiring plan with all-in costs and what each hire does to your cash
- What you make on each sale, what a customer is worth over time, payback
- One inputs tab drives everything else

Enter your details to download

Get the model ↓

This model is a planning framework and does not constitute financial, accounting, or tax advice. Consult a licensed professional for those services.

Free. We use these details to send the file and to follow up about it. We don’t sell or share your address. [Privacy policy](https://www.countabl.io/privacy-policy)

Prefer a quick spreadsheet, no email? [13-week cash flow model (.xlsx) ↓](https://www.countabl.io/hubfs/countabl-13-week-cash-flow.xlsx)[Startup long-range forecast (.xlsx) ↓](https://www.countabl.io/hubfs/countabl-startup-long-range-forecast.xlsx)

✓ Download started

Check your downloads folder for Countabl\_Financial\_Clarity\_Model.xlsx. Want the real version built on your actuals?

Book a call →

What’s inside

01

Instructions

How to use the model, and what each tab does

02

Inputs

Every assumption in one place; every other tab reads from here

03

12-month profit and loss

Revenue, cost of sales, overhead, and what is left

04

Cash, month by month

Three scenarios, and how long your cash lasts in each

05

Each sale

What you make on each one, what a customer is worth over time, payback

This is a starting point. Countabl builds the real version on your books, updated monthly, with a CFO read you can act on.

Learn more →

## Want this on your real numbers, *every month?*

These answers are directional. The Sprint builds the real version on your actual books, with scenarios and a dashboard you will use every month.

Book a 30-minute call

Start with a Cash Clarity Sprint · Starts at $3K

→

[Read all notes →](https://www.countabl.io/notes)

[Countabl.](https://www.countabl.io/)

Financial operating partner for founder-led and owner-operated companies: bookkeeping, cash management and fractional CFO. Based in New Orleans.

[Book a 30-minute call →](https://calendly.com/tdwhite/countabl-customer-discovery)

[taylor@countabl.io](mailto:taylor@countabl.io) [LinkedIn](https://www.linkedin.com/company/countabl/)

Services [Services & pricing](https://www.countabl.io/services) [How it works](https://www.countabl.io/how-it-works) [Who we work with](https://www.countabl.io/who-we-work-with) [Partners](https://www.countabl.io/partners)

Free tools [Calculators](https://www.countabl.io/tools) [Know Your Numbers](https://www.countabl.io/tools/know-your-numbers) [Finance team cost](https://www.countabl.io/tools/finance-team-cost) [Finance glossary](https://www.countabl.io/tools/glossary)

Company [Team](https://www.countabl.io/team) [Notes](https://www.countabl.io/notes) [Book a call](https://calendly.com/tdwhite/countabl-customer-discovery)

© 2026 Countabl · New Orleans

[Privacy](https://www.countabl.io/privacy-policy) [Terms](https://www.countabl.io/terms)

Countabl provides financial operations and advisory services, including sales-and-use tax compliance. We are not a CPA firm: we do not prepare income tax returns and do not provide tax planning, audit, or attest services.

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