6 articles

Small Business Finance Guides

In-depth articles and guides to help you make smarter financial decisions for your business.

Finance8 min read

How to Calculate Profit Margin: A Complete Guide for Small Businesses

Learn the difference between gross and net profit margins, why they matter, and how to improve your business profitability.

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Pricing10 min read

The Freelancer's Guide to Setting Your Rates in 2026

Stop undercharging. Learn how to calculate your true costs, factor in profit, and set rates that sustain your freelance business.

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Tax12 min read

LLC vs S-Corp: Which Business Structure Saves You More on Taxes?

A practical comparison of LLC and S-Corp tax implications, with real examples showing when each structure makes sense.

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Payroll7 min read

The True Cost of Hiring an Employee: Beyond the Salary

Salary is just the beginning. Discover the hidden costs of hiring, from payroll taxes to benefits, and how to budget for them.

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Finance9 min read

Break-Even Analysis: How to Know When Your Business Will Be Profitable

Every business owner needs to know their break-even point. Learn how to calculate it and use it to make better pricing decisions.

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Finance8 min read

Understanding Burn Rate: How Long Can Your Startup Survive?

Your burn rate determines your runway. Learn how to calculate, monitor, and reduce your burn rate to extend your business's life.

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BizCalc.co — Free Small Business Calculators & Financial Tools

15 free, interactive business calculators with visual breakdowns, scenario comparisons, and actionable insights. Built for entrepreneurs, freelancers, and small business owners. No signup required.

Free Online Business Calculators for Small Business Owners

BizCalc provides 15 free online business calculators designed specifically for small business owners, freelancers, and entrepreneurs. Whether you need to calculate your profit margin, estimate payroll costs, compare business loan options, or determine your break-even point, our interactive financial tools give you instant answers with visual breakdowns and actionable insights.

Finance Calculators

Analyze profitability, cash flow, and business value with essential financial calculators for your small business.

Profit Margin Calculator — Calculate gross and net profit margins from your revenue, cost of goods sold, and operating expenses.
Business Loan Calculator — Calculate monthly payments, total interest, and the full cost of a business loan.
Break-Even Calculator — Determine how many units you need to sell to cover all your fixed and variable costs.
COGS Calculator — Calculate your cost of goods sold from beginning inventory, purchases, and ending inventory.
Business Valuation Calculator — Estimate the value of your business using revenue multiples and earnings-based methods.
Burn Rate & Runway Calculator — Calculate your monthly burn rate and how many months of runway your business has.

Pricing Calculators

Set the right prices, calculate margins, and optimize your markup strategy for your small business.

Markup Calculator — Calculate the selling price of a product based on its cost and your desired markup percentage.
Freelance Rate Calculator — Determine your ideal hourly rate based on your desired income, expenses, and billable hours.
Customer Lifetime Value (LTV) Calculator — Calculate the total revenue you can expect from a single customer over their entire relationship.

Tax Calculators

Estimate self-employment taxes, compare business structures, and plan quarterly payments.

Self-Employment Tax Calculator — Estimate your self-employment tax liability including Social Security and Medicare contributions.
LLC vs S-Corp Calculator — Compare the tax implications of operating as an LLC versus an S-Corp to find potential savings.

Payroll & HR Calculators

Calculate employee costs, compare hiring options, and manage payroll efficiently for your small business.

Why Use BizCalc Business Calculators?

Our profit margin calculator helps you understand gross and net margins from your revenue and expenses. The business loan calculator shows monthly payments, total interest, and amortization schedules. Use the break-even calculator to find exactly how many units you need to sell to cover your costs, or the business valuation calculator to estimate what your company is worth using industry-standard multiples.

Hiring is one of the biggest decisions a small business owner makes. Our payroll calculator estimates gross pay, tax withholdings, and net take-home pay. The employee cost calculator reveals the true total cost of hiring — including salary, benefits, and payroll taxes. Compare hiring options with our contractor vs employee calculator, or convert compensation with the salary to hourly calculator.

Self-employed? Our self-employment tax calculator estimates your Social Security and Medicare tax liability. Considering a business structure change? The LLC vs S-Corp calculator compares tax implications side-by-side so you can see potential savings from electing S-Corp status.

Set profitable prices with our markup calculator and understand the relationship between markup and margin. Freelancers can use the freelance rate calculator to determine an ideal hourly rate based on desired income, expenses, and billable hours. Track customer value over time with the customer lifetime value calculator, and monitor your startup's financial health with the burn rate and runway calculator.

Small Business Finance Guides