What is the difference between ARR and MRR?

ARR (Annual Recurring Revenue) is the annualized value of all active recurring contracts or subscriptions. MRR (Monthly Recurring Revenue) is the same figure measured monthly. ARR is typically used for annual subscription businesses or reporting to investors, while MRR is preferred for tracking month-to-month growth and churn in businesses with shorter billing cycles. ARR is usually MRR multiplied by 12.

What does the Altman Z-Score actually measure?

The Altman Z-Score is a weighted combination of five financial ratios drawn from a company's income statement and balance sheet. It was calibrated to predict the probability of bankruptcy within two years. A score above 2.99 is generally considered safe, between 1.81 and 2.99 is a grey zone, and below 1.81 suggests significant financial distress. It is a useful screening tool, though it works best for publicly traded manufacturing companies and should be interpreted alongside other analysis.

How do I use the DSO (Days Sales Outstanding) calculator?

Divide your accounts receivable balance by total credit sales, then multiply by the number of days in the period. The result tells you, on average, how many days it takes customers to pay after a sale. A rising DSO can indicate that customers are taking longer to pay, which strains cash flow even if revenue looks healthy. Compare your DSO against industry benchmarks or your own historical trend rather than using an absolute threshold.

Business & Finance Calculators

115 tools in this collection — free, instant, and private in your browser.

Business and finance calculators cover the quantitative metrics that managers, analysts, founders, and investors rely on to understand whether a company is healthy, growing, and creating value. Unlike personal finance tools, which focus on individual money goals, these calculators reflect the language of income statements, balance sheets, and operational key performance indicators.

One broad category here is profitability and cost analysis. Calculators for accounting profit, average fixed cost, average variable cost, and margins translate raw revenue and expense figures into ratios that reveal where a business earns and where it bleeds. The Accumulated Depreciation and Accounts Receivable Days (DSO) calculators add a balance-sheet dimension, showing how asset aging and collections speed affect the bottom line.

Customer and revenue metrics make up a second important group. The ARR Calculator (Annual Recurring Revenue), Average Order Value, and Attrition Rate Calculator are staples of subscription and e-commerce businesses. They connect top-line growth to the underlying customer dynamics that drive it: how much each customer spends, how quickly they churn, and whether revenue is expanding or contracting on a recurring basis.

Workforce and operational metrics round out the collection. The Bradford Factor Calculator quantifies the impact of intermittent employee absences in a way that highlights patterns traditional absence-tracking misses. The Billable Hours Calculator helps service businesses convert time into revenue projections. The Bounce Rate Calculator applies to website analytics, measuring how many visitors leave without engaging further.

For financial distress assessment, the Altman Z-Score Calculator provides a well-established composite measure that uses publicly available accounting ratios to estimate the probability of corporate bankruptcy. The Additional Funds Needed (AFN) Calculator and the Accrual Ratio are useful during financial planning cycles when you need to project how much external capital growth will require or whether reported earnings reflect actual cash generation.

Tool	What it does
ARR Calculator	Calculate Annual Recurring Revenue (ARR) from MRR or from active customers and annual contract value.
Absence Percentage Calculator	Calculate the employee absenteeism rate as a percentage of scheduled workdays lost to unplanned absences.
Accounting Profit Calculator	Calculate a business's accounting (net) profit by subtracting all explicit costs — cost of goods sold, operating expenses, depreciation, interest, and taxes — from total revenue.
Accounts Receivable Days (DSO) Calculator	Calculate Days Sales Outstanding (DSO) to measure how quickly a company collects payments from its customers.
Accrual Ratio Calculator	Calculate the cash-flow-based accrual ratio to assess earnings quality by measuring the gap between net income and actual cash generation.
Accumulated Depreciation Calculator	Calculate the total accumulated depreciation and current book value of an asset using the straight-line depreciation method.
Additional Funds Needed (AFN) Calculator	Calculate the Additional Funds Needed (AFN) for a company to support projected sales growth using the percent-of-sales forecasting method.
Altman Z-Score Calculator	Calculate the Altman Z-Score to assess a public company's financial health and predict the probability of bankruptcy using five weighted financial ratios.
Attrition Rate Calculator	Calculate your organization's employee attrition (turnover) rate over any period to benchmark workforce stability.
Average Collection Period Calculator	Calculate how many days on average it takes your business to collect payment after a credit sale, a key measure of accounts receivable efficiency.
Average Daily Rate (ADR) Calculator	Calculate the Average Daily Rate (ADR) for a hotel or lodging property by dividing total room revenue by the number of rooms sold.
Average Fixed Cost (AFC) Calculator	Calculate the fixed cost per unit of output by spreading total fixed costs over the quantity of goods produced.
Average Order Value (AOV) Calculator	Calculate average order value (AOV) and project revenue impact of increasing AOV through upsells or bundles.
Average Variable Cost (AVC) Calculator	Calculate the average variable cost per unit of output by dividing total variable costs by the quantity of goods produced.
Bank Reconciliation Calculator	Reconcile your bank statement balance with your book balance by accounting for outstanding checks, deposits in transit, bank charges, and unrecorded credits.
Billable Hours Calculator	Calculate billable fees from hours worked and hourly rate, with optional billing-increment rounding (6-minute tenths).
Bounce Rate Calculator	Calculate your website's bounce rate — the percentage of visitors who leave after viewing only a single page.
Bradford Factor Calculator	Calculate an employee's Bradford Factor score to quantify the disruptive impact of frequent short-term absences on workplace operations.
Break-Even Point Calculator	Calculate the break-even point in units and revenue where total costs equal total revenue and a business neither makes a profit nor a loss.
Break-Even Units Calculator	Calculate how many units you need to sell to break even, given fixed costs, selling price, and variable cost per unit.
Build or Buy Calculator	Compare the total cost of building a solution in-house against purchasing a third-party product over a defined time horizon.
Burn Rate & Runway Calculator	Calculate your monthly net burn rate, gross burn rate, and cash runway in months.
Burndown Chart Calculator	Calculate the ideal remaining work and daily burn rate for an agile sprint to keep your team on track.
Business Valuation Calculator	Estimate the market value of a business using the EBITDA multiple method, the most common valuation approach for private companies.
CAC Payback Period Calculator	Calculate how many months it takes to recover your customer acquisition cost from a customer's monthly recurring revenue.
CPC Calculator — Cost Per Click	Calculate your cost per click (CPC) and estimate the total clicks or budget for an ad campaign.
CPC and CPM Calculator	Calculate Cost Per Click (CPC) and Cost Per Mille (CPM) from your digital advertising spend, clicks, and impressions.
CPM Calculator	Calculate CPM (cost per thousand impressions) or find total cost and impressions from any two inputs.
Cash Conversion Cycle (CCC) Calculator	Calculate the Cash Conversion Cycle to measure how many days a company takes to convert its investments in inventory and other resources into cash from sales.
Cash Ratio Calculator	Calculate the cash ratio to measure a company's ability to cover its current liabilities using only cash and cash equivalents.
Churn Rate Calculator	Calculate customer churn rate and revenue churn rate for any period.
Click-Through Rate (CTR) Calculator	Calculate click-through rate (CTR) from clicks and impressions for ads, email campaigns, or search results.
Commercial Lease Cost Calculator	Calculate the total cost, monthly payment, and annual rent for a commercial property lease based on rental rate and lease terms.
Comparative Advantage Calculator	Compare two countries' (or producers') opportunity costs to identify who holds the comparative advantage in producing each good.
Consumer Surplus Calculator	Calculate consumer surplus — the economic benefit buyers receive when they pay less than their maximum willingness to pay — using a linear demand curve.
Contribution Margin Calculator	Calculate contribution margin in dollars and as a percentage of revenue to determine how much each sale contributes toward covering fixed costs and generating profit.
Conversion Rate Calculator	Calculate conversion rate (CVR) from visitors and conversions, and estimate revenue impact.
Cost Per Acquisition (CPA) Calculator	Calculate your cost per acquisition (CPA) to measure how much it costs to gain one paying customer through a marketing campaign.
Cost of Capital (WACC) Calculator	Calculate a firm's Weighted Average Cost of Capital (WACC) — the blended required return on equity and after-tax cost of debt weighted by their shares of total capital.
Cost of Doing Business Calculator	Calculate your cost of doing business (CODB) ratio to understand what percentage of revenue is consumed by operating expenses.

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