Toolivaro

Startup and freelance finance calculators

Whether you are pricing a contract or projecting how long the current balance lasts, the numbers matter. These calculators cover the core questions: what hourly rate covers your costs and target income, when revenue covers expenses, how runway shrinks with each month of burn, and what compound growth does to savings or a loan over time.

Popular tools

Cash Runway Calculator Stable Estimate how many months your business can operate before running out of cash, from balance, expenses, and income.
Billable Hourly Rate Calculator Stable Set a freelancer or agency hourly rate that covers your target income, overhead, taxes, and unpaid time.
Compound Interest Calculator Stable Project how an investment grows with compound interest — with optional monthly contributions and yearly, quarterly, monthly, or daily compounding.
Loan Amortization Calculator Stable Compute the monthly payment for any loan and see the full amortization schedule — or enter a payment to find how much you can borrow.
Break-Even Calculator Stable Find how many units you must sell — and at what revenue — to cover your fixed costs, from price and variable cost.
Gross Profit Calculator Stable Calculate gross profit and gross margin from revenue and cost of goods sold, with a target-revenue mode.
Restaurant business calculators Pricing, margins, and break-even math for restaurants and cafés — markups, profit margins, processing fees, and discounts in one place. Time, date, and scheduling tools Timezone conversions, cron expressions, date differences, and meeting planning — the calendar math that schedules everything else.