# Free Financial Calculators

Interactive calculators for valuation, returns, debt, startup finance, and financial planning.

Canonical: https://finamodel.com/tools

- [Financial Model Visualizer](https://finamodel.com/tools/financial-model-visualizer) - Visualize your Excel financial model as connected worksheets. Trace formula dependencies, inspect connections, and explore your workbook locally for free.
- [Character Counter](https://finamodel.com/tools/character-counter) - Count characters with and without whitespace, words, and lines online. Paste or type text for instant counts with this free character counter.
- [Financial Model Widgets](https://finamodel.com/tools/financial-model-widgets) - Embed financial model templates and company examples on your website. Choose a model, customise the widget, preview it, and copy the free embed code.
- [Financial Model Generator](https://finamodel.com/tools/financial-model-generator) - Describe your business, select your modelling requirements, and prepare a detailed financial model brief.
- [Financial Model Auditor](https://finamodel.com/tools/financial-model-auditor) - Upload an Excel financial model and prepare a structured audit brief covering formulas, logic, assumptions, and outputs.
- [Financial Model Explainer](https://finamodel.com/tools/financial-model-explainer) - Upload an Excel financial model and prepare a focused explanation request for its formulas, assumptions, sheets, and outputs.
- [Invoice Generator](https://finamodel.com/tools/invoice-generator) - Create a professional itemised invoice, calculate discounts and tax, then print it or save it as a PDF without uploading your data.
- [NPV Calculator](https://finamodel.com/tools/npv-calculator) - Calculate NPV and IRR from an initial investment, projected cash flows, and discount rate for project or investment analysis.
- [IRR Calculator](https://finamodel.com/tools/irr-calculator) - Calculate internal rate of return from an initial investment and future cash flows to compare project or investment returns.
- [CAGR Calculator](https://finamodel.com/tools/cagr-calculator) - Calculate compound annual growth rate from a starting value, ending value, and time period to compare investment performance.
- [Break-Even Calculator](https://finamodel.com/tools/break-even-calculator) - Calculate the unit volume and revenue required to cover fixed and variable costs, then test pricing and margin assumptions.
- [ROI Calculator](https://finamodel.com/tools/roi-calculator) - Calculate return on investment from your initial cost and final value. Compare projects, investments, and business decisions.
- [Payback Period Calculator](https://finamodel.com/tools/payback-period-calculator) - Calculate how long an investment takes to recover its initial cost using expected periodic cash inflows.
- [Compound Interest Calculator](https://finamodel.com/tools/compound-interest-calculator) - Project investment growth from principal, contribution amount, interest rate, compounding frequency, and time horizon.
- [WACC Calculator](https://finamodel.com/tools/wacc-calculator) - Calculate weighted average cost of capital from equity, debt, tax rate, and the required returns for each funding source.
- [Rule of 72 Calculator](https://finamodel.com/tools/rule-of-72-calculator) - Estimate how many years an investment takes to double at a given annual return using the Rule of 72.
- [Startup Runway Calculator](https://finamodel.com/tools/startup-runway-calculator) - Calculate how long your startup cash will last from current cash, monthly burn, and expected revenue. Plan funding timing and monitor runway.
- [Profit Margin Calculator](https://finamodel.com/tools/profit-margin-calculator) - Calculate gross, operating, and net profit margins from revenue and costs to compare business profitability.
- [Service Fee Calculator](https://finamodel.com/tools/service-fee-calculator) - Calculate percentage or fixed service fees, tax on the fee, the customer total, and the net service amount received.
- [Late Payment Interest Calculator](https://finamodel.com/tools/late-payment-interest-calculator) - Calculate simple daily interest and total late charges on an overdue invoice using an annual rate, grace period, and day-count basis.
- [Working Capital Calculator](https://finamodel.com/tools/working-capital-calculator) - Calculate working capital needs and the DSO, DIO, and DPO drivers behind a company's cash conversion cycle.
- [Loan Amortization Calculator](https://finamodel.com/tools/loan-amortization-calculator) - Build a loan amortization schedule showing periodic payments, interest, principal repayment, and remaining balance.
- [DSCR Calculator](https://finamodel.com/tools/dscr-calculator) - Calculate debt service coverage ratio from operating cash flow and required principal and interest payments.
- [DCF Calculator](https://finamodel.com/tools/dcf-calculator) - Calculate DCF value, terminal value, enterprise value, equity value, and implied share price.
- [Terminal Value Calculator](https://finamodel.com/tools/terminal-value-calculator) - Calculate terminal value with Gordon Growth and Exit Multiple methods.
- [EV/EBITDA Calculator](https://finamodel.com/tools/ev-ebitda-calculator) - Calculate enterprise value, equity value, and implied share price from EBITDA and EV/EBITDA multiples.
- [Equity Dilution Calculator](https://finamodel.com/tools/equity-dilution-calculator) - Calculate post-money ownership, founder dilution, and a simple post-round cap table.
- [LTV:CAC Calculator](https://finamodel.com/tools/ltv-cac-calculator) - Calculate customer lifetime value, LTV:CAC ratio, CAC payback, and SaaS unit economics from ARPA, gross margin, churn or retention, and CAC.
- [TAM / SAM / SOM Calculator](https://finamodel.com/tools/tam-sam-som-calculator) - Estimate total, serviceable, and obtainable market size from customers, annual revenue per customer, target-market coverage, and expected market share.
- [Marketing ROI / ROAS Calculator](https://finamodel.com/tools/marketing-roi-roas-calculator) - Calculate profit-based marketing ROI, return on ad spend, campaign profit, and break-even revenue from spend, attributed revenue, and gross margin.
- [Revenue Growth Rate Calculator](https://finamodel.com/tools/revenue-growth-rate-calculator) - Calculate monthly, quarterly, or annual revenue growth, compare two periods, and chart a compound revenue projection for up to 10 future periods.
- [MRR / ARR Calculator](https://finamodel.com/tools/mrr-arr-calculator) - Calculate MRR, ARR, net new MRR, and recurring revenue growth, then chart a compound subscription revenue projection for up to 36 months.
- [Sales Funnel Conversion Calculator](https://finamodel.com/tools/sales-funnel-conversion-calculator) - Calculate stage-by-stage and overall sales funnel conversion rates, identify the weakest handoff, and estimate closed revenue.
- [Market Share Growth Calculator](https://finamodel.com/tools/market-share-growth-calculator) - Calculate current and prior market share, percentage-point change, relative growth, and performance versus the overall market.
- [Churn Rate Calculator](https://finamodel.com/tools/churn-rate-calculator) - Calculate customer churn, gross revenue churn, net revenue churn, retention, and the effect of expansion revenue over a selected period.
- [User Cohort Retention Calculator](https://finamodel.com/tools/user-cohort-retention-calculator) - Generate a cohort retention heatmap from simple retention assumptions, compare cohorts at equal maturity, and estimate retained users over time.
- [Debt Capacity Calculator](https://finamodel.com/tools/debt-capacity-calculator) - Estimate maximum debt capacity from EBITDA or NOI, leverage, rate, amortization, and DSCR.
- [Founder Salary Calculator](https://finamodel.com/tools/founder-salary-calculator) - Calculate the maximum founder salary your startup can afford while protecting runway, fully loaded for payroll burden.
- [Top Company Forecast Calculator](https://finamodel.com/tools/company-forecast) - Interactive five-year financial forecast and DCF for top companies. Adjust inputs to see revenue, cash flow, and enterprise value update.