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Financial tools/calculators

Financial ratios are a way to evaluate the performance of a business and identify potential problems or recognize competent performance. Each ratio informs you about factors such as the earning power, solvency, efficiency and debt load of a business.

Leverage ratios

Leverage ratios provide an indication of the long‑term solvency of a business and to what extent it is using long-term debt to support the viability of that business.

Debt-to-asset ratio

Reflects the percentage of the business assets financed by creditors.

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Debt-to-equity ratio

Measures how much debt a business is carrying as compared to the amount invested by its shareholders.

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Profitability ratios

Profitability ratios help evaluate the financial viability of a business, and compare that business to others in the same industry.

Net profit margin

Measures the percentage of sales revenue retained by the business after operating expenses, interest and taxes have been expensed.

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Return on investment

Measures how much profit is generated compared to how much capital a business has invested to generate those profits.

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Return on equity

Indicates the amount of after-tax profit generated for each dollar of equity.

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Common Financial Questions

What is the Value of a business?

What is a business worth? Similar to other investments the value of a business is linked to its ability to produce future profits.

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What are my new Business startup costs?

Startup costs are divided into two main categories: one-time startup costs and recurring monthly expenses.. Use this calculator to help discover and estimate your total business startup costs.

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Should I lease or buy equipment?

Although leasing is popular and the payments may seem attractive, it may not always be the best financial decision versus purchasing the equipment outright. Use the following calculator to analyze the total financial impact of up-front fees, interest rates and residual value on the lease versus buy decision.

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What is the return on my real estate investment?

Purchase price, loan terms, appreciation rate, taxes, expenses and other factors must be considered when you evaluate a real estate investment. Use this calculator to help you determine your potential IRR (internal rate of return) on a property.

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Should I pay or charge monthly, quarterly or annually?

Use this APR calculator to help determine whether it makes sense financially for you to pay your creditors and/or bill your customers either monthly, quarterly or semi-annually.

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How many units do I need to sell to break even?

Use this calculator to determine the number of units required to break even plus the potential profit you could make on your anticipated sales volume.

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Loan/Mortgage Tools

Mortgage calculator

The loan amount, the interest rate, and the term of the mortgage can have a dramatic effect on the total amount you will eventually pay. Use our mortgage calculator to see the impact of variables along with an amortization schedule.

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Loan comparison calculator

Annual percentage rate (APR) offers a comparison between loans. APR takes into account the varying discount points, closing costs and fees that are typically added into the loan amount and financed over the term of the loan. Use this calculator to help determine the best loan option for you.

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How soon can I break even if I refinance?

Depending on how many months the ongoing monthly interest savings will take to cover your upfront closing costs, refinancing may make sense for you. Use our refinance calculator to analyze your situation today!

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Last, but not least

Becoming a millionaire

It may surprise you how quickly you can accumulate a million dollars. Use this calculator to determine the annual amount you would have to set aside each year to reach a million dollars and reach your goal to be a millionaire.

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