ZIVA

Every question on this page has an exact answer.

Free calculators for small business. Type in your own numbers, Ziva does the math, and the answer comes back in full sentences, showing its work.

No login. Nothing connects to your books.

Where did my profit go?
Profit to cash calculator

Your P&L profit and your bank balance are two different numbers. It tracks down every dollar between them and shows you the biggest reason for the gap.

profit cash
Show me where it went
How much do I need to sell just to break even?
Break even calculator

The exact sales number where your bills are covered and profit begins, and how far past it, or short of it, you were last month.

Show me my break-even

More free calculators are on the way.

How long will my money last?
Cash runway calculator
Would a bank lend to me right now?
Debt service coverage ratio calculator
What is my P&L telling me?
P&L statement reader
Can I afford to hire someone?
Employee cost calculator
How much of my money is sitting with customers who haven't paid?
Days sales outstanding calculator
Can I pay myself this month?
Available cash calculator
What happens if I raise my prices?
Price increase calculator
What happens if I lose my biggest customer?
Revenue concentration calculator
What am I actually earning per hour?
Owner hourly rate calculator
How is my business really doing?
Financial health check

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One number is a fact. A trend is an early warning.

Keep your numbers.

Run a calculator today and the answer is gone by next month. Tools+ saves every result and lines them up, month against month and year against year, so you see the trend instead of a one-time number.

$7.99 a month, or $59 a year. Founding members keep their price forever.