Business Calculators
Five calculators for small-business and freelance decisions: whether a tool or campaign earns back what it costs, how long a project is likely to take, and what an hour of your time is really worth.
5 calculators · Last reviewed September 26, 2026
The calculators
SaaS ROI & TCO
Weigh a software subscription against the time it saves
ROAS Calculator
Check whether ad spend is profitable after margin
Project Timeline (PERT)
Turn best, likely and worst cases into an estimate
Real Hourly Rate
Your true hourly rate after commute and unpaid time
AI Productivity
Estimate the value of hours an AI tool saves
Which calculator answers your question?
Does this software subscription pay for itself in saved time?
SaaS ROI & TCOIs my ad campaign profitable once margin is counted?
ROAS CalculatorHow long will this project realistically take?
Project Timeline (PERT)What do I really earn per hour after commute and unpaid time?
Real Hourly RateWhat are the hours an AI tool saves my team actually worth?
AI ProductivityKey ideas behind these calculators
Total cost of ownership
The sticker price is rarely the full cost. Setup time, training, integrations and per-seat growth all count. ROI compares the value a tool creates against that full cost, not the monthly fee alone.
Break-even ROAS
Return on ad spend is revenue divided by ad cost. A campaign only makes money once ROAS clears 1 ÷ gross margin. At a 40% margin that is 2.5; below it, every sale loses money even if revenue looks strong.
Three-point estimates
PERT turns optimistic (O), most likely (M) and pessimistic (P) guesses into an expected duration of (O + 4M + P) ÷ 6, with a spread of roughly (P − O) ÷ 6. It pulls the estimate toward the risky side, where real projects tend to land.
Loaded cost of time
An hour of staff time costs more than the hourly wage once payroll taxes, benefits and overhead are added. Time-savings math should use that loaded rate, or it will understate the value of automation.
What these estimates leave out
- Income tax, depreciation and financing costs, unless you enter them.
- Attribution. ROAS assumes the revenue you enter was caused by the ads.
- Whether saved hours are actually redeployed to paid work. Time saved only has value if it is used.
See the full disclaimer and how we build and check the calculators.
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