NextDollar · free calculator

Make your next dollar work harder.

Where should your next dollar go? Pay down debt, hire someone, buy equipment, or keep it in the bank? Put in your numbers and see all four side by side: what each one brings back, and what it leaves you if a slow month hits.

The money How much are you deciding about? Cash in the business account todayIncluding this money. What the business spends in a monthPayroll, rent, loan payments, your pay, everything.

Pay down debt

Hire someone What they'd cost a monthPay plus payroll taxes and workers' comp. Work it out → What they'd bring in a month, once trainedProfit from their own work, plus what you'd earn with the hours they free up. Months to get up to speed

Buy equipment Price Extra profit or rental saved a month Upkeep, insurance and fuel a month

Keep it as a cushion Savings account rate (%)What a business savings account pays you. Leave blank if it sits in checking.

Fill in the boxes and your options show up here. Leave out any option you're not considering.

This is a planning tool for education, not financial, tax or legal advice. It compares your numbers; it doesn't know your whole situation. Talk to your CPA before big decisions. Everything you type stays in your browser.

QuitDebt · the Mr. Quitter money app

See this with your real numbers.

QuitDebt Business fills this in from your loans, cash and expenses, and keeps a 13-week cash forecast so you know what you can afford.

See QuitDebt Business Try the free demo →