Free Startup Finance Toolkit
Every calculator a founder needs — from burn rate to business valuation. Free, instant, no signup required.
Cash & Runway
Understand how fast you're spending and how long your cash will last. Essential for fundraising timing and board updates.
Burn Rate Calculator
Calculate gross burn, net burn, and monthly cash consumption.
Runway Calculator
Model runway scenarios with and without revenue growth.
Cash Flow Forecast
Project 12-month cash flows with revenue and expense modeling.
SaaS Metrics Calculator
Track MRR, ARR, churn rate, and customer lifetime value.
Pricing & Profitability
Set prices that maximize margins and compare your profitability against industry benchmarks.
Markup vs Margin Calculator
Convert between markup and margin percentages instantly.
Pricing Strategy Calculator
Model cost-plus, margin-based, and competitive pricing.
ROI Calculator
Measure return on investment for campaigns and business decisions.
Profitability Calculator
Calculate break-even point and analyze profit margins.
Team & Costs
Plan hiring costs, compare employment options, and value your business for fundraising or sale.
Employee Cost Calculator
Calculate the true fully loaded cost of a W2 employee.
Contractor vs Employee
Compare total costs of contractors versus full-time hires.
Business Valuation
Estimate company value using revenue, EBITDA, and DCF methods.
Customer LTV Calculator
Calculate customer lifetime value from ARPU and churn rate.
How Founders Use These Tools
Most founders start with the burn rate calculator to understand their monthly cash consumption, then use the runway calculator to see how many months they can operate. As they prepare to hire, the employee cost calculator reveals the true impact of a new team member on burn rate and runway. When it's time to raise, the business valuation calculator provides a data-backed starting point for conversations with investors. Throughout, the SaaS metrics calculator tracks the growth metrics (MRR, ARR, churn) that investors evaluate. These tools work together to give you a complete picture of your startup's financial health — no spreadsheets required.
Related Benchmarks & Guides
SaaS Burn Rate Benchmarks 2026
See how your burn rate compares to seed, Series A, and Series B SaaS companies.
Startup Runway Benchmarks
Industry data on median runway by stage and how to position before your next raise.
Seed-Stage SaaS Runway Guide
Practical advice on how much runway to target at seed and when to start your Series A process.
SaaS Churn Rate Guide
Understand what churn rates are acceptable by stage and how to reduce them.
Frequently Asked Questions
Are these calculators really free?
Yes. All calculators are completely free with no signup required. Use them as many times as you need. For automated, real-time tracking connected to your bank accounts and Stripe, culta.ai offers a free trial of the full dashboard.
Do I need to create an account?
No account is needed to use any calculator. Your data stays in your browser and is never stored on our servers. Creating a free culta.ai account unlocks automated tracking, historical data, and multi-entity support.
How accurate are these calculators?
The calculators use standard financial formulas and industry benchmarks from sources like Carta, SaaS Capital, and KeyBanc. They provide estimates based on your inputs. For audited financials or investor-grade projections, consult a financial advisor.
Monitor Your Finances in Real-Time
Get automated burn rate tracking, cash flow forecasting, and financial alerts across all your business entities — connected directly to your bank and Stripe.