Financial Operations

Financial Operations free tool

Free Business Valuation Calculator

Estimate an illustrative enterprise-value range, applied multiple range, and transferability profile from one consistent annual business snapshot.

Educational estimate for established U.S. small businesses. The result is not an appraisal, offer, sale price, equity value, or estimate of owner proceeds, and remains hidden until required identity acceptance.

See methodology and limitations

Business profile and annual figures

Estimate an enterprise-value range

Use one consistent annual reporting period. The server applies the approved VAL-002 calculation package; this page does not calculate or recreate valuation formulas in the browser.

Reporting basis

Every financial amount must cover the same selected period. Do not mix monthly, quarterly, year-to-date, forecast, or different fiscal periods.

Required

Choose the annual period that applies consistently to every financial amount.

Currency and units

USD / annual

Phase 1 uses fixed US-dollar annual figures and does not perform currency conversion.

Industry and financial basis
Required

Broad sectors are used for this educational estimate and may not match a specialized transaction market.

Required

USD / annual

Gross operating revenue for the selected annual period, net of refunds, credits, discounts, and sales taxes collected for a government authority. Exclude loans, owner contributions, asset-sale proceeds, investment gains, and other non-operating inflows.

Required

USD / annual

Bottom-line profit or loss for the same selected period after ordinary business expenses, interest, taxes, depreciation, and amortization. Owner compensation, one-time expenses, and accounting classifications can materially affect this number.

Do you know your EBITDA?Required

Choose Yes only when you have annual EBITDA for the same reporting period.

Transferability factors

These inputs feed only the approved operating-history, team-depth, recurring-revenue, and owner-dependency adjustments in VAL-002.

Required

Enter a whole number from 0 through 100. Enter 0 when the business has operated for less than one full year.

Required

Approximate full-time-equivalent employees excluding owners. Regular contractors may be converted to approximate FTE only when they perform ongoing operating work. This is a simplified team-depth proxy, not proof that a larger workforce creates more value.

Required

% of annual revenue

Percentage of annual revenue expected to repeat under subscriptions, retainers, service agreements, memberships, contracted repeat orders, or similarly predictable arrangements. Ordinary repeat customers without a predictable commitment should not automatically be counted.

How dependent is the business on the owner?Required

Choose the description that most closely reflects the business today.

Your calculated values remain hidden until the required email address, name, and company name acceptance succeeds durably.

Methodology

How the educational valuation estimate works

This calculator starts with your EBITDA when available. If you do not know EBITDA, it uses net profit as a more limited proxy. It applies a broad industry multiple range, then adjusts that range for operating history, team depth, recurring revenue, and owner dependency. Revenue is used only as a reasonableness check. The result is an educational enterprise-value estimate before debt, cash, working-capital adjustments, taxes, fees, and deal terms.

Earnings basis

Positive supplied EBITDA is used when known. Otherwise, positive net profit is used as a lower-confidence proxy. Non-positive selected earnings produce a not-available state rather than a zero-dollar range.

Industry and transferability

The server applies the approved broad-industry multiple range and the governed operating-history, team-depth, recurring-revenue, and owner-dependency adjustments. The UI does not reproduce those formulas.

Enterprise value, not owner proceeds

The low, midpoint, and high values are illustrative enterprise-value estimates before debt, cash, working capital, inventory, taxes, fees, deal structure, or buyer-specific terms.

Expanded limitations

This calculator provides an educational estimate of a possible enterprise-value range for an established U.S. small business. It does not review or verify financial statements, tax returns, contracts, customer concentration, growth trends, market conditions, owner compensation, add-backs, working capital, inventory, equipment, real estate, intellectual property, debt, cash, liabilities, litigation, licenses, location, transaction structure, financing, taxes, or buyer-specific synergies. Broad industry references and simplified risk adjustments cannot replace timely local comparable transactions or a professional valuation. Net profit is not EBITDA or Seller's Discretionary Earnings, so a result based on net profit has additional limitations. Do not use this result as the sole basis for a purchase, sale, financing, tax filing, legal position, estate plan, or investment decision. Consult a qualified business valuation professional, CPA, attorney, lender, and transaction adviser as appropriate.

Common questions

Business valuation calculator FAQ

What does this calculator estimate?

It estimates an educational illustrative enterprise-value range. It is not fair market value, equity value, a sale price, appraisal, offer, or estimate of owner proceeds.

Which earnings figure is used?

The server uses supplied positive EBITDA when known. Otherwise, positive net profit is used as a conservative, lower-confidence proxy that is not EBITDA or Seller's Discretionary Earnings.

How is revenue used?

Revenue is a broad reasonableness reference only. It never changes the primary earnings-based estimate.

Terms of Use

Using this educational valuation tool

Educational estimate only. This result is not a certified appraisal, valuation opinion, offer, fairness opinion, or tax, legal, accounting, or investment advice. It uses fixed model assumptions and information you entered. Actual value may differ materially.

Privacy

Required identity acceptance before result reveal

The approved journey requires email address, name stored as first_name, and company name stored as business_name with one action labeled “Email and reveal my valuation.” Steingard Financial saves the server-authoritative valuation run, required identity, attribution, immutable consent evidence, report request, and delivery work in one idempotent transaction before revealing the result.

By clicking the disclosed action, the visitor authorizes the requested report email and grants the separately recorded permission described for occasional relevant Steingard Financial emails. Marketing routing is created only when that affirmative permission is recorded, and marketing messages include an unsubscribe option.

Direct personal information, email addresses, names, company names, raw financial inputs, exact valuation outputs, exact applied multiples, and exact transferability scores are excluded from analytics. Only bounded event names, failure codes, and approved result-state bands are permitted.