Calculators built for founders, fully open, no card, no email.
Fourteen free tools that each solve one specific finance problem. Built using the same logic Finntree runs in production. Use them once, save the result, or upgrade when the spreadsheet stops keeping up.
Profit Margin Calculator
Calculate your gross, operating, and net profit margins to understand how efficiently your business converts revenue into profit.
Break-Even Calculator
Find out exactly how many units you need to sell or how much revenue you need to generate to cover all your costs.
Startup Runway Calculator
Calculate how many months your business can operate before running out of cash at your current spending rate.
Cash Flow Forecast Calculator
Project your cash position over the next 1-3 months based on expected inflows and outflows.
Business Tax Estimator
Get a rough estimate of your business tax obligations based on revenue, expenses, and business structure.
Bank Statement PDF to CSV Converter
Upload a bank statement PDF and convert it to a clean CSV file with organized transaction data. Works with statements from any bank in any language.
Free Invoice Generator
Generate clean, professional invoices instantly. Add your business details, line items, and download as PDF.
Markup vs Margin Calculator
Calculate your markup percentage and profit margin from cost and selling price. Understand the crucial difference between the two.
Debt-to-Equity Ratio Calculator
Measure your business financial leverage by comparing total debt to total equity. Understand what your ratio means for lenders and investors.
Operating Expense (OpEx) Calculator
Calculate your total operating expenses and understand the split between fixed and variable costs for better financial planning.
Revenue Growth Rate Calculator
Measure your business revenue growth rate and project future revenue based on current trends.
Bookkeeping Cost Estimator
Estimate the true cost of bookkeeping for your business and compare different approaches: DIY, professional bookkeeper, or AI-powered tools.
Freelancer Hourly Rate Calculator
Determine the right hourly rate that covers your expenses, pays you fairly, and leaves room for profit and growth.
Return on Investment (ROI) Calculator
Measure the return on any business investment to make smarter spending decisions.
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The free tools answer one question well. Finntree answers them all, every day, from the live ledger. Fourteen days, full access.