About Business calculators
Most small business failures trace back to one of three numbers being wrong: the break-even point was miscalculated and the business never knew it was losing money, inventory was over-stocked and tied up cash, or a loan's real cost wasn't fully accounted for. Our business calculators work through each of these - break-even and unit economics, depreciation under SLM and WDV, inventory with EOQ and reorder logic, and loan amortisation - using the same formulas a CA or finance manager would use.
Break-even and unit economics
The break-even calculator tells you how many units you must sell at a given selling price and variable cost to cover your fixed costs. Pair it with the profit margin calculator to understand how a 5% or 10% price change affects your margin - that relationship is non-linear and often surprises founders who run the numbers for the first time. For subscription businesses, substitute 'units' with 'subscribers' and the same formula gives you your monthly revenue target.
Depreciation: SLM vs WDV
Indian Companies Act 2013 schedules useful life by asset class - buildings, plant, vehicles, computers - and gives you the choice between Straight Line (SLM) and Written Down Value (WDV). The depreciation calculator computes both year by year, so you can see how net block evolves and what gets reported in your books. WDV gives bigger early-year depreciation, useful for tax planning; SLM is simpler and is mandated for some entities.
Inventory and EOQ
The inventory calculator solves the three classic problems: Economic Order Quantity (EOQ), reorder point, and safety stock. EOQ minimises total of ordering + carrying cost. Reorder point ensures you place the next order before stock runs out, given lead time. Safety stock cushions you against demand or lead-time variability. Together they form the bones of any sensible inventory policy.
MSME / SME financing in India
Indian MSMEs have unique financing options not available to larger firms - CGTMSE-backed loans (collateral-free up to ₹2 crore), MUDRA loans (up to ₹10 lakh), Stand-Up India (₹10 lakh to ₹1 crore for SC/ST/women entrepreneurs), and PSB59 (online sanction in 59 minutes). The business loan calculator works for any of these - enter the rate published by the bank or scheme, the tenure (up to 7 years for working capital, 10+ years for term loans), and the calculator outputs EMI, total interest and an amortisation schedule. Combined with the break-even and inventory calculators, you can model whether the loan-funded inventory will pay for itself within the loan tenure.
When to revisit these numbers
Run a fresh break-even, depreciation and inventory cycle every quarter - input prices, raw material costs, supplier lead times and sales forecasts all drift over a year. A break-even point that was conservative in April may be aggressive by October. Pair these calculators with your accounting software's cash-flow statement to validate the assumptions. The calculators are designed to be quick reruns: change one variable, see the new number, save the screenshot for your next finance review.