Business — United States
This directory groups business tools within United States. Local money and property decisions combine arithmetic with rules that depend on where you live. Use this directory to find the existing country-specific tools, then read each page’s assumptions and limitations. A rate entered by the user is not a verified current tax rate, an approved loan offer or an insurance quote. Tools that use no country rules remain in the universal library rather than being copied into each country folder.
Start with these tools
Debt Ratios Calculator
Calculate common solvency ratios from balance-sheet and income-statement figures.
Liquidity Ratios Calculator
Calculate current, quick, cash, working-capital, and operating-cash-flow liquidity measures.
Operations Ratios Calculator
Calculate operating-efficiency ratios for assets, inventory, receivables, payables, and working capital.
Profitability Ratios Calculator
Calculate gross, operating, and net margins plus return on assets, equity, and capital employed.
True Employee Cost Calculator — United States
Build a transparent annual employer-cost budget without substituting the employee withholding rate for employer contributions. USD planning view; stated limitations apply.
Start with the amount or measurement you need to estimate and gather the inputs from your own documents. Separate recurring payments from one-off fees, and distinguish an annual rate from a monthly amount. A material quantity does not by itself include labor, delivery, waste or permission to build. Check each of those assumptions independently. The published library does not yet contain the complete verified regional data required by the master build plan; no state or county pages are published as substitutes for that missing evidence. For decisions involving tax, lending, insurance or construction requirements, confirm the applicable rules with the responsible authority or qualified professional. The related universal tools are useful for checking the underlying arithmetic without implying local approval.
startup
Debt Ratios Calculator
Calculate common solvency ratios from balance-sheet and income-statement figures.
Liquidity Ratios Calculator
Calculate current, quick, cash, working-capital, and operating-cash-flow liquidity measures.
Operations Ratios Calculator
Calculate operating-efficiency ratios for assets, inventory, receivables, payables, and working capital.
Profitability Ratios Calculator
Calculate gross, operating, and net margins plus return on assets, equity, and capital employed.
payroll and hiring
True Employee Cost Calculator — United States
Build a transparent annual employer-cost budget without substituting the employee withholding rate for employer contributions. USD planning view; stated limitations apply.
LLC Versus S Corporation Payroll Worksheet — United States
Compare a narrowly scoped basic payroll-tax scenario only after wage base and reasonable compensation have been verified. USD planning view; stated limitations apply.
pricing and margin
Freelance Rate Calculator — United States
Turn an explicit personal-income target into a billable rate while making nonbillable work and unpaid invoices visible. USD planning view; stated limitations apply.
Business Break-Even Calculator — United States
Calculate a single-product contribution break-even with whole-unit rounding and a clearly defined accounting period. USD planning view; stated limitations apply.
SaaS Contribution Pricing Calculator — United States
Solve an explicit cost-plus SaaS pricing scenario without confusing a margin on revenue with a markup on cost. USD planning view; stated limitations apply.
valuation
saas metrics
Customer Lifetime Value Calculator — United States
Distinguish the common contribution/churn shortcut from a finite, explicitly discounted customer-retention scenario. USD planning view; stated limitations apply.
Customer Acquisition Cost Calculator — United States
Calculate acquisition cost using a matched spending window and paying-customer cohort rather than divide by every new sign-up. USD planning view; stated limitations apply.
Customer and Revenue Churn Calculator — United States
Keep new-customer revenue outside the opening-cohort retention measures and allow genuinely negative net revenue churn. USD planning view; stated limitations apply.
Cash Burn and Runway Calculator — United States
Estimate time to a chosen cash reserve under constant cash inflow and outflow, using cash rather than accounting profit. USD planning view; stated limitations apply.
Frequently asked questions
How do I choose a tool from Business — United States?
Start with the quantity you need to solve for, then compare the required inputs and assumptions before entering values.
Are results in Business — United States guaranteed?
No. Read the formula, limitations and reference information on the individual calculator. Entered example rates are not current offers or professional advice.
Can I save a calculation from Business — United States?
The calculator pages support browser-local project and share controls. Shared links and exported files may contain your inputs.