Business Calculators
Free tools for Canadian business buyers and sellers. Run the numbers before you list, make an offer, or talk to a lender — no account required.
10 calculators shown
Popular tools
The two most-used calculators for pricing a business and financing the purchase.
Business Valuation Calculator
Estimate what your Canadian business is worth using SDE multiples calibrated on real BizListings.ca marketplace data.
Open calculatorBusiness Loan Calculator
Estimate monthly payments, total interest and total repaid on a business acquisition loan before you make an offer.
Open calculatorAll calculators
Small Business Acquisition Calculator
Paste a listing URL, pick BDC or conventional financing, and see DSCR, debt service, post-debt cash flow, payback and loan balances.
Open calculatorSDE / Cash Flow Calculator
Add owner salary, personal benefits, interest, depreciation and one-time costs back to profit to find your true seller's discretionary earnings.
Open calculatorBusiness Affordability Calculator
Combine your available cash with the financing you expect to qualify for to see the purchase price range you can realistically target.
Open calculatorROI & Payback Calculator
Enter an asking price and annual SDE to see the payback period, implied SDE multiple and annual return on a specific deal.
Open calculatorDown Payment Calculator
See how much cash you need up front at a given purchase price and down payment percentage — and how much you'd have to finance.
Open calculatorDSCR Calculator
Divide annual cash flow by annual loan payments to see whether a business covers its debt — the ratio every acquisition lender checks.
Open calculatorSeller Financing (VTB) Calculator
Model a vendor take-back: the seller note amount, its monthly payment, and how the price splits across down payment, lender and seller.
Open calculatorWorking Capital Calculator
Subtract current liabilities from current assets to see the operating cash a business needs on top of the purchase price, plus its current ratio.
Open calculatorWhich calculator should I use?
If you're an owner thinking about selling, start with the SDE calculator — almost every Canadian small business is priced as a multiple of seller's discretionary earnings, so that number drives everything else. Once you have it, run the business valuation calculator to see a realistic asking-price range.
If you're buying, start with the affordability calculator to set your price ceiling, then use the down payment calculator and the business loan calculator to see the cash you need up front and what the debt costs each month.
Found a specific business? Run it through the ROI & payback calculator to check the price against its cash flow. When you're ready, compare Canadian lenders or browse businesses for sale.
Structuring a specific offer? The DSCR calculator shows whether the cash flow carries the debt, the seller financing calculator models a vendor take-back, and the working capital calculator tells you how much operating cash you need on top of the price.
These tools give estimates for planning purposes only and are not financial, tax, or legal advice.