Free CFO Calculators That Actually Compute
Real interactive tools, not a gated PDF you trade your email for. Each one runs the same math we run on client engagements — right in your browser, nothing stored.
QuickBooks Multi-Entity Consolidation Tool
Paste each entity's QuickBooks export, match the accounts, key the intercompany eliminations, and get one consolidated statement.
Open the toolFractional vs. Full-Time CFO Cost Calculator
See the loaded cost of a full-time CFO hire versus a fractional retainer — first year and three years.
Open the toolCovenant Headroom Calculator
Check your DSCR and leverage against typical covenants — and how much EBITDA headroom you have before a breach.
Open the toolDSCR Calculator
Enter NOI and annual debt service to get your debt service coverage ratio — and the payment your cash flow actually supports.
Open the toolLeverage Ratio Calculator
Compute debt-to-equity, debt-to-assets, and net debt/EBITDA from your balance sheet in one pass.
Open the toolCash Runway Calculator
Turn cash, revenue, and burn into a runway in months, a zero-cash date, and a 13-week cash projection.
Open the toolHow to use these calculators
Each tool answers one question a board or a lender actually asks. The Cash Runway Calculator tells you how many months of cash you have left and the date it runs out. The DSCR Calculator divides net operating income by principal plus interest to give you the coverage ratio your lender tests, and the Leverage Ratio Calculator returns debt-to-equity, debt-to-assets, and net debt/EBITDA off one balance sheet. The Covenant Headroom Calculator puts both covenants together and shows how much your EBITDA could fall before either one trips. The Fractional vs. Full-Time CFO Cost Calculator compares the fully loaded cost of a full-time hire against a fractional retainer.
They run entirely in your browser — nothing is stored, and no email gate stands between you and the answer. Treat each result as a planning baseline, not a forecast: real cash and covenant timing swing with AR, AP, payroll cycles, and seasonality, which is exactly what a live 13-week model captures once it is built on your own numbers. Start with the number that is keeping you up at night, then book a working session to have the full version run on your business.
These are the warm-up.
The calculators give you a taste. On a real engagement, the same models run on your live data every month — built, maintained, and explained by your CFO.