Tools and Calculators

Breakeven Analysis

The breakeven analysis calculator is designed to demonstrate how many units of your product must be sold to make a profit. Hit "View Report" to see a detailed look at the profit generated at each sales volume level.

Calculate >>

Profit Margin Calculator

Determine the selling price for your products to achieve a desired profit margin.

Calculate >>

Business Valuation

Get the Net Present Value (NPV) of all of your future cash flows discounted in today's dollars at your Weighted Average Cost of Capital (WACC).

Calculate >>

Working Capital Needs

The calculator assists you in determining working capital needs for the next year.

Calculate >>

Cash Flow Calculator

Use this calculator to help you determine the cash flow generated by your business.

Calculate >>

Commercial Loan Calculator

Use this calculator to estimate your debt service coverage with a new commercial loan.

Calculate >>

Debt Service Coverage

This tool calculates debt services and illustrates how debt service coverage ratios are impacted by changing income and capital assumptions.

Calculate >>

Inventory Analysis

This calculator helps you determine how much inventory you should hold, and when you should place inventory orders.

Calculate >>

Equipment Buy vs. Lease

Should you lease or buy? Use this calculator to find out! Calculate monthly payments and your total net cost. By comparing these amounts, you can determine which is the better value for you.

Calculate >>

Business Debt Consolidation

This calculator is designed to help determine if debt consolidation is right for you. Fill in your loan amounts, credit card or credit line balances and other outstanding debt. Then see what your monthly payment would be with a consolidated loan.

Calculate >>

Like Kind Exchange

This calculator is designed to calculate recognized loss, gains and the basis for your newly received property.

Calculate >>

Financial Ratios

This calculator is designed to show you 10 different financial ratios.

Calculate >>

Repossession of Personal Property

If you have repossessed personal property from a deferred payment sale, you can use this calculator to determine the gain or loss.

Calculate >>

Repossession of Personal Property from an Installment Payment Sale

Use this calculator to determine the gain or loss of repossessed personal property with installment payments.

Calculate >>

Repossession of Real Property

If you have repossessed real property, you can use this calculator to determine the gain or loss as well as its new basis.

Calculate >>

The information provided is not intended to be legal, tax, or financial advice or recommendations for any specific individual, business, or circumstance. TowneBank cannot guarantee that it is accurate, up to date, or appropriate for your situation. Financial calculators are provided for illustrative purposes only. You are encouraged to consult with a qualified attorney or financial advisor to understand how the law applies to your particular circumstances or for financial information specific to your personal or business situation.