Kurums · 110 free tools
Free Business Tools and Calculators
110 browser tools across ten departments: finance, accounting, marketing, HR, sales, procurement, law, technology, startup and corporate governance. Type your figures, get a one-page result you can copy or print before the meeting. No account, no download, and your drafts stay in your own browser.
Finance tools
Cash, funding, loans and returns: the numbers a CFO or founder needs before a bank or board meeting. All 10 Finance tools →Finance department →
12-Month Cash Flow ProjectionShows how revenue growth, fixed costs, and variable costs land in the bank.Open tool →Unit Economics Calculator for Four Revenue ModelsWorks out unit economics for a subscription, a product, a service, or a commission.Open tool →Cap Table CalculatorShows who owns what after an option pool and an investment round.Open tool →Budget vs Actual Variance CalculatorCompares each line's budget with what happened, then shows the variance and the percent.Open tool →Break-Even CalculatorTurns a price, a variable cost, and a fixed cost into the units and revenue that cover the fixed cost.Open tool →Loan Payment CalculatorTurns a principal, an annual rate, and a term in months into the payment and the total interest.Open tool →ROI CalculatorDivides a gain by its cost. Gain is the profit you type, not a sale price.Open tool →Working Capital CalculatorAdds receivables and inventory, then subtracts payables.Open tool →Startup Runway CalculatorDivides cash on hand by the monthly net burn.Open tool →Invoice Aging CalculatorAdds the current, 1–30, 31–90, and 90+ day buckets, then shows each bucket's share.Open tool →
Accounting tools
Margins, depreciation, working-capital days and a debit-credit check for the monthly close. All 10 Accounting tools →Accounting department →
Margin and Markup CalculatorTurns a cost and a selling price into profit, margin percent, and markup percent.Open tool →Straight-Line Depreciation CalculatorSpreads cost minus salvage evenly across the years you enter, then divides by twelve.Open tool →Sales Tax CalculatorAdds a rate you type, or pulls that rate back out of a tax-inclusive amount.Open tool →Prepaid Expense Amortization CalculatorSpreads a prepaid amount across its months and shows what is recognized and what is left.Open tool →Days Inventory Outstanding CalculatorDivides average inventory by annual cost of goods sold and multiplies by 365.Open tool →Days Sales Outstanding CalculatorDivides receivables by annual credit sales and multiplies by 365.Open tool →Days Payable Outstanding CalculatorDivides payables by annual purchases and multiplies by 365.Open tool →Debit and Credit Balance CheckerAdds the debit lines and the credit lines and says whether they balance.Open tool →Cost Allocation CalculatorSplits a cost pool by percents that have to add up to 100.Open tool →Gross-to-Net Pay CalculatorTakes one deduction percent off a gross amount. A sketch, not a payroll filing.Open tool →
Marketing tools
Briefs, budgets, ROAS, UTM links and a four-week content calendar. All 10 Marketing tools →Marketing department →
Campaign Brief TemplatePuts the audience, the offer, the channel, the budget, and the success metric on one page.Open tool →ROAS CalculatorDivides attributed revenue by ad spend.Open tool →Marketing Budget Allocation CalculatorSplits a budget across channels whose percents add up to 100.Open tool →Email List Growth CalculatorKeeps what churn leaves of the list, adds the monthly new subscribers, and runs six months.Open tool →Four-Week Content Calendar TemplatePuts a theme and one asset on each of four weeks, and marks a week you left blank.Open tool →Landing Page ChecklistLines up the offer, the headline, the proof, and the call to action, and names what is still blank.Open tool →UTM Link BuilderAdds source, medium, and campaign to a base URL.Open tool →Marketing Message GeneratorTurns a product, an audience, and a promise into three lines you can copy.Open tool →Ad Frequency CalculatorDivides impressions by audience size over the period you name.Open tool →Brand One-Liner GeneratorPuts who you serve, the problem, and the offer into one line.Open tool →
Human Resources tools
Salary to hourly, overtime, pay raises, cost per hire, turnover cost, FTE, retention, eNPS, hiring scorecards and pay bands. All 20 HR tools →Human Resources department →
Candidate Scorecard TemplateScores candidates from 1 to 5 against the must-haves and ranks the list.Open tool →Headcount Cost CalculatorMultiplies people by the average loaded cost per month, then by twelve.Open tool →Employee Turnover Rate CalculatorDivides leavers by average headcount for the same period.Open tool →Time to Hire CalculatorAccepts a number of days. An opened date and a hired date are optional.Open tool →Job Offer Comparison CalculatorAdds base, bonus, and the equity value you type for two offers.Open tool →PTO Accrual CalculatorSpreads annual days evenly across twelve months and counts the months elapsed.Open tool →Span of Control CalculatorDivides direct reports by the number of managers.Open tool →New Hire Onboarding ChecklistLists equipment, access, a buddy, and the first-week goal, and names what is still blank.Open tool →Employee Engagement Score CalculatorAverages scores from 1 to 5 across the questions you list.Open tool →Compensation Band and Compa-Ratio CalculatorPlaces an offer against a minimum, a midpoint, and a maximum.Open tool →Salary to Hourly CalculatorConverts an annual salary to hourly, daily, weekly, and monthly pay, or an hourly rate back to a salary.Open tool →Overtime Pay CalculatorSplits a week into regular and overtime hours and prices both at the multiplier you set.Open tool →Pay Raise CalculatorTurns a raise percent or a new salary into the new pay, the increase, and the raise after inflation.Open tool →Prorated Salary CalculatorProrates an annual salary over a start and end date by calendar or working days.Open tool →Cost per Hire CalculatorAdds external and internal recruiting costs and divides them by hires in the same period.Open tool →Cost of Employee Turnover CalculatorAdds separation, hiring, training, and lost ramp-up productivity for each leaver.Open tool →FTE CalculatorTurns each person's weekly hours into full-time equivalents and adds them up.Open tool →Absenteeism Rate CalculatorDivides days lost to absence by employees times workdays, and prices the days if you add pay.Open tool →Employee Retention Rate CalculatorFollows the people you started with: end headcount minus new hires, over start headcount.Open tool →eNPS CalculatorSubtracts the detractor share from the promoter share of a 0–10 survey.Open tool →
Sales tools
Pipeline, quota coverage, win rate, commission and forecast buckets. All 10 Sales tools →Sales department →
Weighted Pipeline CalculatorAdds deal count and value by stage, then weights that value into a forecast.Open tool →Quota Coverage CalculatorDivides pipeline value by quota, then again after the win rate.Open tool →Sales Win Rate CalculatorDivides won deals by won plus lost.Open tool →Discount Floor Price CheckCompares a requested price with a floor you set as a percent of list.Open tool →Sales Commission CalculatorApplies a rate to revenue, and an accelerator above quota when you enter quota and attainment.Open tool →Sales Activity PlannerTurns weekly calls, meetings, and demos into a four-week month.Open tool →Average Deal Size CalculatorDivides revenue by the number of deals.Open tool →Sales Cycle Days per Stage CalculatorDivides the cycle in days by the number of stages.Open tool →Forecast Buckets CalculatorAdds commit, best case, and pipeline into one total.Open tool →Territory Quota Split CalculatorSplits a quota across reps whose percents add up to 100.Open tool →
Procurement tools
Vendor comparison, total cost of ownership, reorder points and savings. All 10 Procurement tools →Procurement department →
Vendor Comparison ToolCompares two to four vendors on price, lead time, quality, and payment terms.Open tool →Purchase Order Total CalculatorMultiplies each line's quantity by its unit price and adds the lines.Open tool →Volume Price Break CalculatorPicks the price tier whose minimum quantity still fits the quantity you need.Open tool →Total Cost of Ownership CalculatorAdds the purchase to annual operating cost times the years you keep it.Open tool →Reorder Point CalculatorMultiplies daily use by lead time and adds safety stock.Open tool →Procurement Savings CalculatorSubtracts the new price from the baseline and multiplies by the annual quantity.Open tool →Bid Tabulation SheetLines up three bids and names the lowest and the spread.Open tool →Early Payment Value CalculatorPrices the days you pay early at the annual cost of cash you type.Open tool →Supplier Scorecard CalculatorWeights quality, delivery, and price, each scored from 1 to 5.Open tool →Contract Spend CalculatorMultiplies a monthly amount by the number of months.Open tool →
Law tools
Orientation tools and checklists for entities, contracts, NDAs and notice deadlines. Not legal advice. All 10 Legal tools →Law department →
Business Entity SelectorOrients you among a sole proprietorship, a limited company, and a corporation. Not legal advice. Local law varies.Open tool →Contract Review ChecklistLists parties, term, payment, liability cap, termination, and governing law, and marks what is still blank.Open tool →NDA ChecklistLists parties, purpose, term, exclusions, and return of information, and marks what is still blank.Open tool →Notice Period Deadline CalculatorAdds the notice days you type to the send date.Open tool →Contract Renewal Cancellation Deadline CalculatorSubtracts the notice days from the end date.Open tool →Contract Approval MatrixMatches a contract value to the approver ceilings you type.Open tool →Key Contract Clauses ChecklistChecks liability cap, indemnity, termination, governing law, and data, and marks what is still blank.Open tool →Contract Clause Comparison ToolLooks for a short list of topics in two clause texts. Keyword presence only, not a redline.Open tool →Contract Dispute LogRecords an issue, an owner, the date it opened, and the next step.Open tool →Policy Acknowledgment TrackerCompares who must sign a policy with who has signed, and lists the outstanding names.Open tool →
Technology tools
Build vs buy, error budgets, capacity, uptime and cloud and API cost. All 10 IT tools →Technology department →
Build vs Buy Decision ToolSets the problem beside each option's cost, time, and risk.Open tool →Error Budget CalculatorTurns monthly minutes and an SLO percent into the downtime the SLO allows.Open tool →Server Capacity CalculatorEstimates workers from peak requests per second, handling time, and headroom.Open tool →Incident Status UpdatePuts severity, impact, the start, and the next update on one page.Open tool →Cloud Cost Breakdown CalculatorAdds service amounts and shows each service's share of the total.Open tool →Software Release ChecklistLists tests, the migration, the rollback, and the owner, and marks what is still blank.Open tool →Uptime Percentage CalculatorSubtracts minutes down from the minutes in the period.Open tool →API Cost CalculatorPrices a number of calls at the rate you pay per thousand.Open tool →Backup Restore Drill LogRecords the last test date, the RPO, and the RTO, and says whether a date was entered.Open tool →User Access Review ChecklistLists systems and reviewers, and calls out a system with no reviewer.Open tool →
Startup tools
Business plan, startup costs, pitch, pricing test, investor update and burn multiple. All 10 Startup tools →Startup department →
One-Page Business Plan BuilderTurns the customer, the problem, and the solution into a one-page decision note.Open tool →Startup Cost CalculatorAdds formation, equipment, and the first months of spending, line by line.Open tool →Mission and Vision Statement GeneratorWrites who you serve in three tones, as sentences you can copy.Open tool →Exit Strategy PlannerCompares a sale, a handover, or a public listing with the stage you are in now.Open tool →Business Model Canvas TemplateFills the nine boxes and marks the ones you left empty.Open tool →One-Sentence Pitch GeneratorTurns who you serve, the problem, and the offer into one sentence.Open tool →Monthly Investor Update TemplatePuts the month, what happened, cash, revenue, and the ask on one page.Open tool →Pricing Test CalculatorCompares two prices against the buyers you expect and a unit cost.Open tool →First Customers TrackerLists the names you type and the status of each.Open tool →Burn Multiple CalculatorDivides net burn by net new revenue. A sketch, not investment advice.Open tool →
Corporate governance tools
Board agenda, operating model, roadmap, OKRs, RACI and a risk register. All 10 Corporate governance tools →Corporate governance department →
Operating Model TemplateTurns decision rights, the weekly rhythm, and delivery steps into a manager's note.Open tool →Board Meeting Agenda TemplatePuts each decision, its owner, and the papers to read on one page.Open tool →Four-Quarter Roadmap TemplateSplits the year into four themes and the deliveries under each.Open tool →OKR Planning TemplateTies objectives to measurable results and writes how to read the score.Open tool →One-Page Strategy TemplatePuts where you are, where you are going, and three priorities on one page.Open tool →Decision Log TemplateRecords a decision, its owner, the date, and the date you will look again.Open tool →RACI Chart TemplatePuts responsible, accountable, consulted, and informed on one task, and marks a blank role.Open tool →Risk Register TemplateMultiplies likelihood and impact, each from 1 to 5.Open tool →Meeting Cost CalculatorPrices a meeting from the headcount, the average hourly cost, and the minutes.Open tool →Policy Review Schedule CalculatorAdds the interval in months to the last review date.Open tool →
Frequently asked questions
Are these business tools free?
Yes. Every tool on this page is free to use and needs no account. You type your figures into the form, the page does the arithmetic and writes the summary, and you copy or print the result.
Is my data sent anywhere?
No. The tools run in your browser. Drafts are kept in your browser's local storage so you can come back to them on the same device, and nothing you type is sent to a Kurums server.
Can I use the results in a board or bank meeting?
That is what they are built for: each tool ends with a one-page output you can copy into an email or print. Check the figures against your own records first; the tools calculate from what you enter and do not replace professional advice.
Which currencies do the money tools support?
Money tools default to US dollars and can show euros or pounds. The switch changes how amounts are formatted; the tools do not convert between currencies.
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The calculators give you the number. The games train the judgement behind it. Try one in two minutes.
Break-Even DialEight money questions, no calculator. Drag the dial to your best estimate.Cash Flow RunTwelve months, one decision a month. Keep the bank balance above zero.Metric MatchTen campaign numbers. Name the metric behind each one.
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Last updated: October 2026 · Kurums editorial team.