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Solid Values. Stronger Banking.

Business Financial Calculators

Make informed financial decisions with our suite of powerful business calculation tools.

Business Loan Calculator

Estimate your monthly payments and total interest for a business loan.

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Loan Summary

Monthly Payment $766.58
Total Interest $2,596.88
Total Cost $27,596.88

Amortization Schedule

Payment # Payment Date Payment Principal Interest Remaining Balance

Return on Investment Calculator

Calculate the return on investment for your business projects or initiatives.

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ROI Analysis

Net Profit $2,000.00
ROI Percentage 20.00%
Annualized ROI 6.67%
Break-Even Point 2.5 years

ROI Insights

Good Investment?

This investment appears to be worthwhile with a positive ROI.

Comparison

This ROI is better than average business investments (typically 5-15%).

Time Value

The investment pays for itself in a reasonable timeframe.

Cash Flow Calculator

Analyze your business's cash flow to ensure financial health and sustainability.

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Cash Inflows

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Cash Outflows

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Cash Flow Analysis

Total Inflows $21,000.00
Total Outflows $21,500.00
Net Cash Flow -$500.00
Ending Balance $4,500.00

Cash Flow Insights

Warning

Your business is currently operating at a cash flow deficit.

Recommendations

Consider reducing expenses or increasing revenue to achieve positive cash flow.

Runway

At this rate, your current balance will last approximately 9 months.

Break-Even Calculator

Determine when your business will become profitable by calculating your break-even point.

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Break-Even Analysis

Break-Even Point (units) 1,334
Break-Even Revenue $17,328.66
Contribution Margin 57.66%
Current Profit/Loss -$982.00

Break-Even Insights

Target

You need to sell 1,334 units to break even.

Improvement

Increasing price by 10% would reduce break-even point to 1,088 units.

Timeframe

At current sales, you'll break even in approximately 1.1 months.

Profit Margin Calculator

Calculate your business's profit margins to understand pricing and profitability.

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Profit Analysis

Gross Profit $10,000.00
Gross Margin 40.00%
Operating Profit $5,000.00
Operating Margin 20.00%
Net Profit $4,000.00
Net Profit Margin 16.00%

Profit Margin Insights

Industry Comparison

Your gross margin is above average for most industries (typically 25-35%).

Improvement

Reducing COGS by 10% would increase net margin to 22.4%.

Cost Structure

60% of revenue goes to COGS, 20% to operating expenses, and 20% to taxes.

Need Help With Your Business Finances?

Our business banking specialists can help you analyze your financial situation and find the right solutions.