Kurums · 10 free Finance tools
Free Finance Calculators and Tools
Ten calculators for the numbers a CFO or founder gets asked about first: cash, funding, loans, returns and runway. Type your own figures and leave with a one-page result you can paste into a bank email or a board pack.
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Cash and runway
Returns, loans and break-even
Business model and ownership
Which finance tool to open first
If the question is whether the business can pay its bills, start with cash: the 12-month projection shows cash at the end of every month and the first month profit turns positive, working capital shows how much short-term cushion you have today, and the runway calculator turns monthly net burn into months of runway.
If the question is whether a decision pays off, use the return tools. ROI and break-even answer different questions: ROI tells you how much a project returns on the money put in, break-even tells you how many units or how much revenue you need before it stops losing money. The loan calculator gives the monthly payment for the financing, so you can see what the project has to cover each month.
For a board or investor meeting, pair the budget-vs-actual variance with unit economics. The first shows which lines moved against plan and by how much; the second shows contribution, lifetime value and payback per customer for subscription, product, service or commission businesses.
Frequently asked questions
Are these finance calculators free?
Yes. All ten finance tools are free, need no account and run in your browser. Nothing you type is sent to a Kurums server.
Can I use the results in a bank or board meeting?
Each tool ends with a one-page summary you can copy or print. The calculations depend on the figures you enter, so check them against your ledger before you present them.
Which tool shows how long my cash will last?
The startup runway calculator divides cash on hand by monthly net burn and gives the number of months your cash lasts at that rate. For a month-by-month view with growing revenue, use the 12-month cash flow projection.
Do the tools convert between currencies?
No. Money tools format amounts in US dollars, euros or pounds, but they do not convert one currency into another. Enter all figures in the same currency.
Tools for other departments
Finance guides on Kurums
One Up On Wall Street: Peter Lynch’s Case for Knowing the Business Before the Stock
A Kurums Book Taste review of One Up On Wall Street for finance leaders, FP&A teams and investor-relations owners who want to judge a business the way a disciplined investor would.
Bank of England Raises Rates to 4%: What the First Hike in Three Years Means for Finance Teams
The Bank of England lifted Bank Rate to 4% on 5 November 2026. What the 8-1 vote, the inflation forecast and the energy link mean for borrowers and finance teams.
Treasury Keeps Auction Sizes Steady: A Corporate Finance Guide to the November 2026 Refunding
The Treasury’s November 4, 2026 refunding holds coupon sizes steady and changes the 7-year note format from March 2027. What corporate finance and treasury teams should do next.
Treasury Holds Coupon Auction Sizes Steady in November 4, 2026 Refunding: Notes for Finance
On November 4, 2026, the Treasury offered $125 billion of notes and bonds to refund roughly $97 billion of maturing debt and raise about $28 billion of new cash while keeping nominal coupon and FRN auction sizes unchanged for the next several quarters.
Depreciation, Decoded: What It Actually Means
Depreciation is the accounting method of spreading the cost of a long-term asset, like a machine, vehicle or laptop, over the years it is expected to be useful. Instead of counting the full price as an expense when it is bought, a business records a portion each year, reflecting the value it uses up over time.
Break-even, Decoded: What It Actually Means
Break-even is the point where total revenue exactly covers total costs, so the business makes neither a profit nor a loss. It is usually measured in units sold or in sales value. The basic formula is fixed costs divided by the contribution per unit, which is the selling price minus the variable cost of each unit.
Accrual, Decoded: What It Actually Means
An accrual is an amount recorded in the accounts when it is earned or owed, even if no cash has moved yet. Accrual accounting matches revenue and expenses to the period they actually belong to, so a company’s profit reflects the work it did that month, not just the payments that happened to arrive or leave.
Why Treasury’s $618 Billion Borrowing Estimate Hides a Bigger Story About Issuance
Treasury cut its Q4 borrowing estimate to $618B, but underlying needs rose. The November 4 refunding then held coupon sizes steady, moved the 7-year to quarterly issuance, and expanded buybacks.
Buy Now Pay Later Under New UK Rules: Affordability Checks, Declines and What to Do
BNPL has been regulated since July 2026. Learn what affordability checks mean for shoppers and retailers, and how to avoid being declined.
Results depend on the figures you enter; check them against your own records before you rely on them. Last updated: October 2026 · Kurums editorial team.