Guided Business Setup
Build a project profile and receive country-aware recommended next steps.
106 financial & business decision tools
Make better business decisions with the numbers in front of you.
A financial operating system for small businesses and advisers: calculate, plan, forecast, manage client work, automate follow-up and turn financial data into decisions across six English-speaking markets.
✓ Country-aware tools✓ Transparent assumptions✓ Free · Business $29 · Business Pro $59 · Advisor $149 · Advisor Firm $299
Country-specific planning
Business tools built for your market.
Choose a country to access localised formation, tax, payroll and business-cost tools.
USUSD
United States
Federal + state formation, sales tax, payroll and employer costs.
Explore United States →UKGBP
United Kingdom
Companies, VAT, Corporation Tax, payroll and owner income.
Explore United Kingdom →CACAD
Canada
Federal + province incorporation, GST/HST, payroll and corporate tax.
Explore Canada →AUAUD
Australia
ASIC formation, GST, employer costs, company tax and financing.
Explore Australia →IEEUR
Ireland
CRO formation, VAT, Corporation Tax, employer costs and financing.
Explore Ireland →NZNZD
New Zealand
Companies Office formation, GST, KiwiSaver costs and company tax.
Explore New Zealand →My SMECalculator
More than a calculator library.
Start with calculations, then grow into forecasting, billing, client collaboration, workflows, documents, reporting and advisory operations.
Smart Dashboard
Track Business Health, KPI, Forecast vs Actual, scenarios and management alerts.
Decision Center
Surface transparent watch signals and the next best planning action.
Professional Reports
Create Executive, Lender, Adviser and Board-ready reports from saved project data.
Calculate · Plan · Decide · Advise
What decision are you making?
Start with the business question. SMECalculator connects the relevant calculators, project data, scenarios and decision intelligence.
What decision are you making?
Start with the business question. SMECalculator selects the appropriate calculator, project data, scenarios and guided workflow.
Current plan: Free
Standalone mode
Sign in to connect decisions to projects, Financial Data and Business Journeys.
How long will my cash last?Protect cashCan I afford this hire?Hire someoneHow much can the business safely borrow?Borrow moneyShould I lease or buy?Buy equipmentWhat happens if I change price?Change prices
Recommended workflow
Buy equipment
Decide is not included in your current plan.
Compare scenarios, downside risk, break-points and Decision Intelligence signals.
Compare plansFeatured professional tools
Go beyond quick calculations.
Advanced models stay visible across plans, so you can see what SMECalculator can do before upgrading.
Cash Flow Forecast 12/24 Months
Build a rolling cash forecast from revenue growth, gross margin, operating costs, capex and financing assumptions.
Business Valuation Calculator
Estimate an equity-value range from EBITDA multiples, net debt and operating performance.
Target Profit Calculator
Estimate the units and revenue required to cover fixed costs and reach a chosen operating profit target.
Price Increase Impact Calculator
Model the revenue and contribution-profit impact of changing price while allowing for an expected volume response.
Funding Requirement Calculator
Estimate the external funding requirement after startup costs, working capital, contingency and available cash/resources.
CAC / LTV Ratio Calculator
Compare customer acquisition cost with contribution-based lifetime value and calculate CAC payback time.
Can I Afford It? Decision Calculator
Stress-test a proposed annual business commitment against EBITDA, cash, runway and debt-service capacity in one management view.
Loan Capacity & DSCR Calculator
Estimate additional borrowing capacity from operating cash flow, existing debt service and a target DSCR.
One financial workspace
Your business picture, organised around decisions.
Saved calculations feed a project workspace where budgets, Forecast vs Actual, health indicators and decision signals can be reviewed together.
- Track financial KPI and project readiness.
- Compare conservative, base and optimistic scenarios.
- Keep important deadlines and requests visible.
- Turn saved project data into professional reports.
Business Health78/100
HealthyNext best actionReview working-capital assumptionsIllustrative workspace preview
Built for different levels of work
From calculation tool to advisory operating system.
Choose SMECalculator according to how much of your business or client workflow you want to manage in one place.
Calculate & plan
For owners who need reliable calculators, saved projects, scenarios, forecasting and professional reports.
Business guide →Run the financial workspace
Add CRM, billing, client portal, workflows, automation, documents and communication tools.
Business Pro guide →Advise multiple clients
Prioritise opportunities, manage client journeys, reporting, data rooms and advisory workflows.
Advisor guide →Operate a practice
Manage teams, permissions, firm analytics, revenue, workload, governance and up to 100 client relationships.
Firm guide →Plans
Start free. Upgrade when the workspace earns its place.
Six plans separate free calculation, business planning, operational management, professional advisory and firm-scale deployment.
$0
Explore & calculateCore calculators and a first workspace.
Start free →$29/month
Business owners5 projects, 100 simulations, forecasting and professional reports.
View plan →$59/month
Growing SMEsClient portal, billing, automations, CRM and smart documents.
View plan →$149/month
Accountants & consultantsAdvisor workspace for up to 25 client relationships.
View plan →$299/month
Advisory firms5 users, 100 clients, firm analytics, permissions and governance.
View plan →From $599
Larger firmsUnlimited-scale commercial deployment and tailored onboarding.
View plan →Transparent by design
Built for decisions you can understand.
SMECalculator combines structured calculations with explicit assumptions instead of hiding the reasoning behind a black box.
Review the inputs, assumptions and result drivers behind each model.
Use local formation, tax, payroll and employer-cost logic where a country-specific calculator is provided.
Compare assumptions before committing cash, debt, pricing or hiring decisions.
Keep simulations, budgets, reports and planning data together inside My SMECalculator.
Put your numbers to work