Business Finance Tools
Master your business finances with professional-grade financial calculators. Analyze profitability, manage cash flow, and optimize working capital.
47 free business finance tools available • No signup required • 100% free forever
All 47 business finance tools
Pochi la Biashara Charges Calculator (Kenya)
Work out what a Pochi la Biashara transaction costs you and what lands in your wallet.
M-Pesa Reconciliation Calculator (Kenya)
Check whether your day balances: compare sales against M-Pesa received and cash in the drawer.
Transaction Cost Calculator (Kenya)
See what payment fees cost you over a month and what share of revenue they eat.
Payment Split Calculator (Kenya)
Split a bill or a payout fairly between people or partners, evenly or by share.
Cash vs M-Pesa Ratio Calculator (Kenya)
See what share of your takings is cash versus M-Pesa, and what it means for your records.
Float Requirement Calculator (Kenya)
Work out how much e-float and cash an agent needs to hold to avoid running dry.
Cash Burn Calculator (Kenya)
See how fast your business is using up cash each month when expenses exceed income.
Startup Runway Calculator (Kenya)
Work out how many months your starting capital will last at your current spending.
LTV to CAC Ratio Calculator (Kenya)
Compare what a customer is worth to what they cost to acquire, the core test of whether growth pays.
Conversion Rate Calculator (Kenya)
Work out what share of visitors or enquiries become buyers, and what a small lift is worth.
Lead Value Calculator (Kenya)
Work out what each enquiry is worth, so you know how much you can spend to get one.
WhatsApp Marketing ROI Calculator (Kenya)
See the return on a WhatsApp campaign: cost in, sales out, and whether it paid.
Email Marketing ROI Calculator (Kenya)
Work out the return on an email campaign from opens, clicks, sales and cost.
Referral Program ROI Calculator (Kenya)
See whether a refer-a-friend reward pays, based on the customers it brings and their value.
Social Media Engagement Rate Calculator (Kenya)
Measure how engaged your followers are, the signal that matters more than follower count.
Advertising Budget Calculator (Kenya)
Set an ad budget from your revenue goal and target return, so you spend with a plan.
CAGR Calculator (Kenya)
Work out the smooth yearly growth rate of your sales, profit or any value over time.
Profit Growth Calculator (Kenya)
Measure how much your profit grew between two periods, in shillings and percent.
Cost Reduction Impact Calculator (Kenya)
See how much cutting a cost adds to profit, and why saving a shilling beats selling one.
Operating Expense Calculator (Kenya)
Add up your monthly running costs and see what share of revenue they consume.
Asset Financing Calculator (Kenya)
Estimate the monthly payment to finance equipment or a vehicle, and the total cost of credit.
M-Pesa Settlement Calculator (Kenya)
Work out the net amount that settles to your account after charges on your M-Pesa sales.
Daily Collections Calculator (Kenya)
Turn the debt you need to collect into a daily collection target over your timeframe.
Debt Service Coverage Ratio Calculator (Kenya)
Check whether your profit comfortably covers your loan repayments, the ratio lenders look at.
Digital Payments ROI Calculator (Kenya)
See whether going digital pays: time saved and leakage cut against the monthly cost.
M-Pesa Revenue Calculator: Calculate Your Net Income After Charges
Calculate net revenue after M-Pesa fees. See real income from each sale after payment charges.
Sacco Savings Calculator (Kenya)
See when your deposits reach the loan you need.
Sacco Dividend Calculator (Kenya)
Dividend and rebate, on the two different balances.
Sacco Loan Eligibility Calculator (Kenya)
See what your deposits support, and what you can afford.
Business Loan Eligibility Checker (Kenya)
See how much you could borrow.
M-Pesa Charges Calculator: Sending, Withdrawal, Till & Paybill (2026)
Send + withdraw fees, instantly.
M-Pesa Till vs Paybill: Which Is Right for Your Business?
Which mobile money rail wins for you?
Kenya Shilling Currency Converter
KES ↔ USD, EUR, GBP and EA partners.
Kenya Business Loan Calculator
Monthly repayment, interest, total cost.
Return on Investment (ROI) Calculator
ROI, payback and annualised return.
Cash Flow Forecast Calculator
Will you have cash in month 6?
Working Capital Calculator
Liquidity, in one ratio.
Kenya Small Business Valuation Estimator
Quick EBITDA-multiple estimate.
Working Capital Calculator: Calculate working capital in Seconds
Calculate working capital and current ratio. Understand cash flow health.
Gross Profit vs Net Profit Calculator: Calculate gross profit vs net profit in Seconds
Calculate and compare gross profit vs net profit. Understand profitability.
Debt-to-Equity Ratio Calculator: Calculate debt-to-equity ratio in Seconds
Calculate D/E ratio. Measure financial leverage and solvency.
Customer Lifetime Value (CLV) Calculator: Calculate customer lifetime value (clv) in Seconds
Calculate CLV. Understand how much each customer is worth over time.
Markup vs Margin Calculator: Calculate markup vs margin in Seconds
Calculate and compare markup vs margin. Avoid confusion.
Invoice Discounting Calculator: Calculate invoice discounting in Seconds
Calculate cost of invoice discounting (invoice financing).
Customer Acquisition Cost Calculator: Calculate customer acquisition cost in Seconds
Calculate CAC. Measure marketing efficiency.
Ad Spend ROI Calculator: Calculate ad spend roi in Seconds
Calculate ROI on advertising spend. Measure campaign performance.
Trade Credit Terms Calculator: Calculate trade credit terms in Seconds
Calculate impact of trade credit terms (2/10 net 30, etc).
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Want to automate these calculations?
These tools are free and perfect for one-off calculations. For your entire business-receipts, inventory, payroll, KRA compliance-try Veira.