Business Finance & Ratios
Analyze liquidity, leverage, efficiency, and profitability, plus loans, depreciation, pricing, and currency tools.
Business Loan
Amortization & balloons.
Depreciation
Straight-line & MACRS.
Break-Even
CM vs. fixed costs.
Commission
Tiered/flat plans.
Percentage
Change & part-whole.
Discounts
Stack & reverse.
Inflation
Deflate/inflate values.
Currency
Spot conversions.
Current Ratio
Working capital view.
Quick Ratio
Exclude inventory.
Cash Ratio
Most conservative.
Debt-to-Assets
Leverage vs. assets.
Debt-to-Equity
Capital structure.
Interest Coverage
EBIT vs. interest.
Inventory Turnover
COGS & DOH link.
Receivables Turnover
Collections & DSO.
Total Asset Turnover
Revenue per asset.
ROA
Profit vs. assets.
ROE
Drivers of return.
P/E
Price vs. earnings.
P/B
Price vs. book.
P/S
Price vs. sales.
Dividend Yield
Forward/trailing.
EPS
Basic & diluted.
DuPont
ROE breakdown.
EVA
Residual income.
Altman Z
Bankruptcy risk.
SGR
ROE & payout.
HHI
Market concentration.
Formula (LaTeX) + variables + units
This section shows the formulas used by the calculator engine, plus variable definitions and units.
Formula (extracted LaTeX)
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Variables and units
- P = principal (loan amount) (currency)
- r = periodic interest rate (annual rate ÷ payments per year) (1)
- n = total number of payments (years × payments per year) (count)
- M = periodic payment for principal + interest (currency)
Sources (authoritative):
- Finance — calcdomain.com · Accessed 2026-01-19
https://calcdomain.com/finance - Business LoanAmortization & balloons. — calcdomain.com · Accessed 2026-01-19
https://calcdomain.com/business-loan - DepreciationStraight-line & MACRS. — calcdomain.com · Accessed 2026-01-19
https://calcdomain.com/depreciation - Break-EvenCM vs. fixed costs. — calcdomain.com · Accessed 2026-01-19
https://calcdomain.com/break-even-analysis - CommissionTiered/flat plans. — calcdomain.com · Accessed 2026-01-19
https://calcdomain.com/commission - InflationDeflate/inflate values. — calcdomain.com · Accessed 2026-01-19
https://calcdomain.com/inflation - CurrencySpot conversions. — calcdomain.com · Accessed 2026-01-19
https://calcdomain.com/currency-converter - Current RatioWorking capital view. — calcdomain.com · Accessed 2026-01-19
https://calcdomain.com/current-ratio
Changelog
Version: 0.1.0-draft
Last code update: 2026-01-19
Last code update: 2026-01-19
0.1.0-draft · 2026-01-19
- Initial audit spec draft generated from HTML extraction (review required).
- Verify formulas match the calculator engine and convert any text-only formulas to LaTeX.
- Confirm sources are authoritative and relevant to the calculator methodology.