Cash Runway
How many months of cash your business has left at its current burn rate.
Open calculatorBreak-Even
The sales you need to cover your costs — in units and in revenue.
Open calculatorProfit Margin
Gross and net margin, plus the markup you need to hit a target margin.
Open calculatorWorking Capital
Whether you can cover short-term bills, via working capital and the current ratio.
Open calculatorVAT
Add or remove UK VAT and see the net, VAT and gross amounts instantly.
Open calculatorCash Flow Forecast
Project your cash balance month by month and spot the low point before it bites.
Open calculatorHiring Decision
Work out whether a new hire pays for themselves — and how long it takes.
Open calculatorBusiness Loan Repayment
Monthly repayments, total interest and the full cost of a business loan.
Open calculatorROI
Return on investment as a percentage — and annualised so you can compare.
Open calculatorDebtor Days (DSO)
How long customers take to pay, and the cash tied up while you wait.
Open calculatorWant the full picture, not just one number?
These calculators answer one question at a time. FinanceMOT scores your whole business 0–100, flags every KPI red, amber or green, and tells you exactly what to do next.