GROFINEX / FREE TOOLS
Better decisions start
with clearer numbers.
Explore what you can afford, what a business earns, and what remains after the bills. Practical calculators for owners, buyers, and your next investment.
18 free tools · No account required · Instant estimates
Financing
Mortgage payment calculator
Estimate your full monthly housing budget, interest, and payoff time with extra payments.
OPEN CALCULATOR →Auto loan calculator
Compare auto loan payments, financed taxes and fees, total interest, and faster repayment.
OPEN CALCULATOR →Equipment financing calculator
Estimate equipment loan payments, interest, and a final balloon payment before comparing quotes.
OPEN CALCULATOR →Refinance savings calculator
Compare monthly payments, fee recovery, and remaining lifetime borrowing cost when refinancing.
OPEN CALCULATOR →Business earnings
Seller’s discretionary earnings (SDE) calculator
Rebuild owner-operated business earnings from pre-tax profit and documented adjustments.
OPEN CALCULATOR →Business cash flow: SDE and EBITDA calculator
Compare owner-operated earnings with earnings after paying a replacement manager.
OPEN CALCULATOR →EBITDA normalization calculator
Separate reported EBITDA from sustainable earnings after owner pay, rent, and one-time adjustments.
OPEN CALCULATOR →Business value
Buying a business
Business buying power calculator
Estimate the purchase price your cash can support after costs and reserves, and the earnings needed to service debt.
OPEN CALCULATOR →Debt service coverage ratio (DSCR) calculator
Check how much cash remains for loan payments after management and reinvestment allowances.
OPEN CALCULATOR →Business return on investment (ROI) calculator
Measure annual operating return on the total purchase investment before financing and buyer income taxes.
OPEN CALCULATOR →Cash-on-cash return calculator
Calculate the annual return on the cash you invest after loan payments, manager costs, and reinvestment allowances.
OPEN CALCULATOR →Working capital calculator
Measure short-term liquidity and separately model the cash reserve needed after closing.
OPEN CALCULATOR →Business acquisition cash flow calculator
Estimate income available after management, debt service, and reinvestment before buying a business.
OPEN CALCULATOR →Business operations
Break-even calculator
Find the units and sales needed to cover fixed costs and reach a target operating profit.
OPEN CALCULATOR →Profit margin and markup calculator
Compare gross margin with markup and find the revenue required for your target margin.
OPEN CALCULATOR →Merchant processing fee calculator
Calculate your current effective processing rate and compare a complete proposed fee scenario.
OPEN CALCULATOR →Use estimates to ask better questions.
These tools use the figures you enter. Financing rates and valuation multiples are examples, not live market data. Verify financial statements, lender terms and the costs of operating a business before making a commitment.
Read the business-owner guides →