Free commercial-lease & small-business calculators

Estimate triple-net (NNN) and CAM load — base rent plus taxes, insurance, and common-area maintenance per square foot.

Model rent, escalations, free-rent, and TI across the full term to compare two lease offers side by side.

Project fixed or percentage annual rent increases over the life of a commercial lease.

Calculate percentage rent and the natural breakpoint for a retail lease.

Estimate the cost to terminate or buy out of a commercial lease early.

Estimate net operating income, cap rate, and gross rent multiplier to value commercial real estate.

Model equity vesting schedules, cliffs, and acceleration for employees and founders.

Estimate monthly payments and amortization on an SBA 7(a) or 504 loan.

Convert a merchant cash advance factor rate into a true APR with daily or weekly ACH debits.

Compare $1 vs. fair-market-value buyout options on an equipment finance agreement.

Size your personal exposure under a guaranty — limited, unlimited, or joint-and-several.

Add up franchise fees, royalties, and ad-fund contributions to model the true cost of ownership.

Calculate retainage withheld on construction progress payments and final release.

Check whether your property limit meets the coinsurance clause to avoid a claim penalty.