Free calculators for acquisitions, big purchases, and credit health. Built for bootstrappers who want the math fast.
Three focused toolkits — pick the one that fits your next move.
Model an acquisition from LOI to close — LBO returns, SDE multiples, working capital cycles, and deal structure. Built for search funders, PE associates, and solo acquirers.
Stress-test any major loan before you sign — mortgages, car payments, equipment, RVs, and more. Amortization tables, rate comparisons, and Excel exports included.
Snowball vs. avalanche payoff, credit utilization impact, debt-to-income ratio, and liquidity ratios — the numbers lenders check before you do.
Jump straight to any tool.
CreditScorePad is organized around three money decisions: buying a business, financing a large purchase, and improving the numbers lenders review. Start with the hub that matches the decision, then use the calculator output as a screening tool before you build a full model.
Use the acquisition tools when a seller sends a teaser, CIM, marketplace listing, or broker package. The goal is not to finish diligence in one sitting. The goal is to decide whether the price, cash flow, debt load, and working capital needs deserve more attention.
Start with the business-specific calculator, then move to the LBO model and working capital cycle if the first pass still looks attractive.
Use the purchase-financing tools before you accept a lender quote. A monthly payment can feel manageable while the amortization table reveals thousands of dollars of interest or a payoff schedule that extends too long.
Compare the APR, term, down payment, total interest, and the effect of extra payments. Those numbers are easier to negotiate when you see the lifetime cost.
Use the credit health tools when you are preparing for a mortgage, business loan, acquisition loan, or large financed purchase. Lenders usually care about utilization, DTI, liquidity, and debt payoff trajectory before they care about your story.
A few improvements can be fast: lower revolving balances, remove small debts, improve liquidity, or adjust the timing of a new application.
Run the quick calculator first, save the scenario URL, and rerun it with a conservative case. If the deal or loan only works with optimistic assumptions, the next step is not more precision. It is a lower price, a shorter term, more cash down, or a different structure.
That habit keeps the tools practical. A fast screen should help you reject weak options early and spend deeper research time only where the numbers still hold up.
Yes. The calculators are available without a login and are designed for quick scenario testing.
No. Use the output as a planning and screening tool, then verify assumptions with a lender, accountant, advisor, or source documents.
Start with the hub that matches the decision: buy a business, finance a purchase, or credit health. Each hub links to the relevant calculators.
Yes. Change the inputs, copy the updated URL, and compare the resulting payment, value, or payoff metrics side by side.