Free tools, no sign-up.
Twenty-one calculators and an invoice generator, free to anyone. Nothing is stored and nothing is sent anywhere.
Accounts receivable health
See how fast invoiced sales turn into cash, how far past your terms customers run, and what that delay costs.
Breakeven
Find how many sales a month cover every bill, and how far sales can fall before you are losing money.
Buy or lease equipment
Compare the true cost of buying equipment with a loan against leasing it over the same term.
Cash conversion cycle
See how many days your cash sits in inventory and unpaid invoices before it comes back, and what a shorter cycle frees up.
Cash flow projection
Project twelve months of cash from your sales, your terms and your fixed costs — and find the month it gets thin.
Cash runway
Find out how many months your cash lasts at today's pace, and the date the account would reach zero.
Cost of a new hire
See the full monthly and first-year cost of a hire, and how long before the role pays for itself.
Cost of late payments
See what late-paying customers cost you a year in tied-up cash, financing, chasing time and invoices that never arrive.
Customer lifetime value
See what a customer is worth over the whole relationship, and whether what you spend to win one makes sense.
Debt consolidation
Compare what your current debts cost against one consolidation loan, fees included, before you refinance.
Early-payment discount
See what a 2/10 net 30 style discount costs you over a year and what it's worth in cash collected sooner.
Financial health check
Run the eight ratios a lender checks first, using your balance sheet and the last 12 months of income.
Gross margin by product
List up to five products or services to see your blended gross margin and where the profit really comes from.
Invoice generator
Build a clear, professional invoice in your browser and download it. Free, no account, nothing stored.
Loan or line of credit
Compare a term loan and a line of credit on the same amount, including fees and how long each one takes to pay off.
Loan payment and payoff
See the monthly payment, total interest and payoff date on a term loan, plus what paying extra each month saves you.
Marketing ROI
Enter what a campaign cost and how people responded to see revenue, profit, return on spend, and cost per new customer.
Pricing and inflation
Check what you charge against inflation since you last raised it, and against the margin your costs require.
Sales pipeline planner
Work backward from your monthly sales goal to the proposals, meetings, and calls it actually takes to get there.
Startup savings plan
Add up your launch costs and the cushion you want, then see whether your savings plan gets you to opening day on time.
What your business is worth
Project your earnings, discount them for risk and time, and get a planning ballpark for what your business could be worth.
Working capital needs
See your working capital today and how much more you will need to support the growth you are planning.
Finli is offered through your financial institution
Banks, credit unions and community lenders offer Finli under their own name, so your payments settle with the institution you already use. Tell us where you bank and we’ll ask them for you.