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Acquisition calculator

Does the business’s cash flow cover its debt — and what’s left for you? Enter the earnings, the price, and the financing. Results are for the first year, pre-tax, and use the same calculator as a full deal analysis.

The business’s earnings (last 12 months)
What the seller reports

Yearly, e.g. 420,000 or 420k

A manager’s pay, or an outside firm. Leave blank if no one needs replacing.

Price and financing
Bank or SBA loan (optional)
Seller note (optional)

Nothing you enter here is saved. Figures are pre-tax and year 1, from the same calculator used for full deal analyses.

Result

Enter the earnings and the price to see cash flow after debt, debt coverage, and cash-on-cash for the first year. Not sure about a number? A full analysis tracks sources and estimates.

A model of what you enter, not a valuation, appraisal, lender approval, or tax advice. Debt coverage here is not a lender’s test. Owner-Free Cash Flow is before your own pay and before income taxes.