Calculators

Every dollar makes a difference in small business – that's why smart budgeting and planning are vital. Use these business calculators to test out your plans for growth, consolidation, buying, leasing, and day-to-day money management. With sophisticated analyses presented in clear, straightforward terms, you'll be able to make the best decisions for your business.

Contact our Small Business Bankers to help you find ways to run your business more efficiently and more profitably through smart money strategies.

• Business Consolidate
  Enter multiple credit lines or installment loans to determine the value of debt consolidation. The calculator provides a time series graph depicting remaining balance by payment amount.
• Business Valuation
  Estimate the value of your business based on net present value. Includes valuation based on cash flow from operations and/or financing.
• Cash Flow Calculator
  Project your ending cash balance for operations, investment and finance.
• Equipment Buy vs. Lease
  Determine net cost of buying versus net cost of leasing. This calculator is helpful in determining the value of buying or leasing equipment.
• Financial Ratios
  Easy to use calculator that provides sophisticated financial ratio analysis. Calculates profitability, operating efficiency, liquidity, and solvency.
• Inventory Analysis
  This calculator is very helpful in determining your average target inventory. It provides a detailed graph that shows inventory level by week.
• Profit Margin
  Calculate profit margins for multiple products. This calculator provides an average wholesale cost, markup percent selling price, gross margin dollars and gross margin percent.
• Sales Volume Breakeven Analysis
  Determine how many units you need to sell to reach your breakeven point and calculate your profit by units sold.
• Working Capital Needs
  Use the "Current Ratio" to determine a target amount of working capital.