Accounting Calculators
Accounts Receivable Turnover Calculator
Calculate accounts receivable turnover and days sales outstanding from net credit sales and beginning and ending accounts receivable balances.
Current Ratio Calculator
Calculate the current ratio from current assets and current liabilities, with a built-in interpretation of the resulting short-term liquidity position.
Debt Ratio Calculator
Calculate the debt ratio from total liabilities and total assets to see what share of a company's assets are financed by debt versus equity.
EBITDA Calculator
Calculate EBITDA from net income or operating income, adding back interest, taxes, depreciation, and amortization to compare operating performance.
Gross Margin Calculator
Calculate gross margin as a percentage of revenue after cost of goods sold, useful for comparing profitability across businesses of different sizes and periods.
Gross Profit Calculator
Calculate gross profit by subtracting cost of goods sold from revenue, including the resulting gross profit margin percentage for the period entered.
Interest Coverage Ratio Calculator
Calculate the interest coverage ratio from EBIT and interest expense, with an interpretation of how comfortably earnings cover interest payments.
Inventory Turnover Ratio Calculator
Calculate inventory turnover and days inventory outstanding from cost of goods sold and beginning and ending inventory balances for the period.
Net Profit Calculator
Calculate net profit by subtracting total expenses from total revenue, including the resulting net profit margin percentage for the same period.
Operating Margin Calculator
Calculate operating margin from operating income and revenue to measure core business profitability before interest expense and tax effects are applied.
Quick Ratio Calculator
Calculate the quick (acid-test) ratio from current assets or from cash, securities, and receivables to measure liquidity without relying on inventory.
The Ratios That Show Up in Every Loan Application
Financial statements hold the raw numbers, but lenders, investors, and auditors read a business through its ratios — current ratio for liquidity, EBITDA for operating performance, inventory turnover for how efficiently stock moves. These calculators turn balance sheet and income statement line items into the figures that actually get compared against industry benchmarks.
Popular Accounting Calculators
Eleven tools cover the ratios accountants and business owners check most often:
- EBITDA Calculator — strips out interest, taxes, depreciation, and amortization to compare operating performance across companies with different capital structures.
- Current Ratio Calculator — measures whether current assets can cover current liabilities, the first number most lenders check.
- Quick Ratio Calculator — a stricter liquidity test that excludes inventory, useful when stock is slow-moving.
- Inventory Turnover Ratio Calculator — shows how many times inventory is sold and replaced in a period, flagging overstocking early.
- Gross Margin Calculator — reveals how much of each sales dollar survives the cost of goods sold.
Reading Ratios in Context
A ratio alone rarely tells the full story — a current ratio of 1.2 is comfortable for a grocery chain that turns inventory weekly but tight for a construction firm billing on 90-day cycles. Debt ratio and interest coverage matter most to lenders deciding on new credit, while gross margin and operating margin matter more to owners tracking whether pricing or costs are drifting. Comparing a ratio against the same company's prior years, and against direct competitors, is usually more useful than comparing it to a generic textbook benchmark.
Frequently Asked Questions
What's a "good" current ratio?
Roughly 1.5 to 3 is typical, but the right number depends heavily on industry and how fast inventory converts to cash.
Is EBITDA the same as cash flow?
No — EBITDA ignores changes in working capital and capital expenditures, both of which can consume real cash even when EBITDA looks healthy.
Explore More
Need the bookkeeping side of these numbers? Check the Bookkeeping Calculators, or dig into broader company metrics with the Business Calculators.