Know your numbers before you make the call.
Rule 29 built these calculators for the decisions that actually keep business owners up at night — what to borrow, what a hire really costs, what the VAT return says, and what the business is worth. Run the numbers here in a couple of minutes, then talk to us about what they mean.
The desk
Five tools, each solving one real question. Figures below are worked examples to show what you'll get — not your numbers.
Business Loan Calculator
Work out the monthly repayment on an amount you want to borrow — or flip it round and see how much you could borrow on a repayment you can afford.
Employment Cost Calculator
Salary is only part of it. Add employer National Insurance, pension contributions and the rest to see the true cost of a hire before you make the offer.
VAT Calculator
Move between net, VAT and gross in one step. Stop guessing your VAT figures on the back of an invoice.
Business Valuation Tool
An instant, data-driven estimate of what the business is worth — SDE for owner-run businesses, EBITDA once it runs without you.
Know Your Numbers
Answer a few questions on growth, margins and retention and get a plain-English PDF on cash runway, margins and growth capacity.
The numbers are the easy part.
Once you've got an answer, Rule 29 can help you act on it — from a hiring plan to an exit strategy. We don't just balance books, we build better businesses.