Three tools that do the arithmetic properly

Free, nothing to sign up for, and nothing you type here leaves your browser. Each one ends with a plain-English read on what the numbers actually mean.

Break-even calculator

How much you need to sell to cover your costs, and how much room you actually have if something moves against you.

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Investment return calculator

Whether a project clears the bar you actually set, including what happens if the benefits come in lower than you hoped.

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Variance analyzer

Budget against actual, ranked by what matters, with room to write down the reason beside each line and take it with you.

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These answer the arithmetic. If you want to know why the numbers look like that — and what to do about it — that’s a conversation, and it costs you nothing.

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