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 mortgage or a hire really costs, whether to lease or buy the next piece of kit, what the VAT return says, what the business is worth, what you actually need to sell to break even, and whether you'll have enough cash in the bank when you need it. Run the numbers here in a couple of minutes, then talk to us about what they mean.
The desk
Nine 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.
Mortgage Calculator
A full affordability tool for residential and commercial mortgages alike — set the price, deposit and term and get a monthly repayment, an LTV-based rate suggestion, and a year-by-year balance breakdown.
Equipment Financing Calculator
Lease or buy? Compare cash purchase, hire purchase and leasing side by side — net of corporation tax relief, maintenance and resale value — to see which one actually costs less.
Breakeven Calculator
Products, services, or both? Work out the sales revenue you need to cover your costs, price what you charge, and check it against the capacity you can actually deliver.
Cash Flow Forecast Calculator
See month by month whether you'll have enough cash in the bank — not just whether you're profitable. Set your own debtor and creditor days, add VAT and one-off costs, and spot a squeeze before it happens.
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.