eCapital Mentor
Business calculators
18 of the tools members use every day, open to anyone and grouped by the question they answer. Each one shows its method, its assumptions and what the answer means — no sign-in, and nothing you type leaves your browser.
Cash and trading
Finance Lab
Break-even and margin of safety
Work out the sales you must make before the business makes a cent, and how much cover you have above it.
Owners working out the sales needed before the business makes money.
Open the calculatorFinance Lab
Working capital cycle
See how long your cash is tied up between paying suppliers and being paid by customers.
Owners whose profit never seems to reach the bank account.
Open the calculatorFinance Lab
Forward cash flow forecast
Show the month-by-month cash position your current trading produces, and the month it is at its lowest.
Owners who need to know the month cash is at its lowest.
Open the calculatorFinance Lab
Cash forecast under stress
Compare the same forecast with sales down, costs up and customers paying later, so the funding gap is visible before it happens.
Owners testing what a slower month or a late payer would do to them.
Open the calculatorFinance Lab
GST and BAS cash position
Work out what you will owe at your next BAS and how much to set aside each week.
Owners who want the tax money separated before it is spent.
Open the calculatorFunding and finance
Finance Lab
True cost of a business loan
See the repayment, the total interest and the real rate once fees are counted.
Owners comparing facilities where the fees are the real difference.
Open the calculatorFinance Lab
Equipment finance cost (chattel mortgage or hire purchase)
See the monthly repayment, the total interest and the real cost of financing a vehicle or piece of equipment.
Owners financing a vehicle, plant or equipment purchase.
Open the calculatorFinance Lab
Lease against buying outright
Compare leasing an asset with paying cash for it, in today's money.
Owners deciding whether to lease an asset or own it outright.
Open the calculatorFinance Lab
Invoice and debtor finance cost
See the real annual cost of funding your invoices, and what the cash actually buys you.
Owners weighing the cost of drawing cash forward against slow debtors.
Open the calculatorFinance Lab
Debt serviceability
Test how much debt the trading result actually supports.
Owners testing how much borrowing their earnings actually support.
Open the calculatorFinance Lab
Runway and amount to raise
Work out how long the money lasts and how much the plan needs.
Owners who need to know how many months of cash are left.
Open the calculatorValue and ownership
Finance Lab
Earnings multiple valuation
Value the business from its maintainable earnings and a chosen multiple.
Owners testing what their business would be worth to a buyer.
Open the calculatorFinance Lab
Net asset valuation
Value the business from what it owns and owes, once the book figures are brought to today's worth.
Owners valuing a business on what it owns rather than what it earns.
Open the calculatorFinance Lab
Raise, price and dilution
See what a raise costs you in ownership before you agree it.
Owners working out what bringing in an investor costs them in ownership.
Open the calculatorPeople, tax and structure
Finance Lab
True cost of an employee
See what an employee really costs once superannuation, leave, insurance and on-costs are counted.
Owners costing a hire properly before making it.
Open the calculatorFinance Lab
Division 7A minimum yearly repayment
Work out the minimum yearly repayment on a complying loan from your company, and what it costs you in cash.
Owners who have drawn money from their company and need the repayment position.
Open the calculatorFinance Lab
Asset write-off and depreciation cash benefit
See the tax benefit of writing an asset off immediately against depreciating it over its life.
Owners weighing an asset purchase against the deduction it carries.
Open the calculatorFinance Lab
Profit through a company against distributing it
Compare retaining profit in a company with distributing it to individuals, on the rates you enter.
Owners comparing how profit is taxed across trading structures.
Open the calculatorInside the platform
Members get the full library across Finance Lab, Property Platform and Decision Centre — each calculator running on their own recorded figures, saved to their workspace, exportable to Word and Excel, and tied to the lessons that teach the thinking behind it.
General information only. These calculators do not take your circumstances into account and are not financial, tax, legal or investment advice.