Free calculators and PDF builders.

Six tools we use every day in commercial finance, made available for free. No email required, no signup, no save-our-stuff-in-your-account. Everything runs in your browser. When you close the tab, your data is gone.

Your data stays in your browser. We never see it. We never store it.

Section 179 Tax Savings Calculator

Equipment Loan Calculator

Quick

Monthly payment, total interest, full amortization schedule. Optional balloon. Compare term lengths side by side.

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DSCR Calculator

Quick

Debt Service Coverage Ratio — the #1 number commercial lenders use to underwrite. See yours before you apply.

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Cost Per Mile Calculator

Trucking

For owner-operators and small fleets. If you don't know your cost-per-mile, you don't know if you're making money.

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Personal Financial Statement Builder

PDF output

SBA Form 413-style PFS that every commercial lender will accept. Fill it in, download the PDF, send it with your application.

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Profit & Loss Statement Builder

PDF output

Build a clean monthly P&L for your business. Revenue, COGS, operating expenses, net income. Downloadable PDF for your lender or accountant.

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Balance Sheet Builder

PDF output

Assets, liabilities, equity. Auto-balances and flags errors before you submit. Downloadable PDF.

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Debt Schedule Builder

PDF output

List every business obligation: lender, balance, payment, rate, maturity. Required for most SBA and bank applications. Downloadable PDF.

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Why we built these

Most "free" finance calculators online either gate the result behind an email address, sneak you onto a marketing list, or save your numbers into someone's CRM. We don't do any of that. Every tool here runs entirely inside your browser — your computer, your data, nothing transmitted anywhere. Refresh the page or close the tab and it's gone.

We built these because half the conversations we have with new customers start with the same question: "What do you need from me to look at my deal?" These tools are the answer. Build a clean PFS, P&L, balance sheet, and debt schedule, and you're 80% of the way to any commercial finance application — ours or anyone else's.

Heads up: these are for informational purposes only. Real tax planning needs an accountant. Real legal advice needs a lawyer. Real lending decisions need underwriting. But these tools will get you in the ballpark — fast — for free.

Ready to finance the equipment you've been calculating?

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