ToolWise Decision Engines
A decision engine isn’t a single calculator — it walks a real business decision from end to end. You put in your numbers; it works out the true costs, the break-even, the cash impact and the scenarios, then gives you a clear verdict and the conditions that would change it. Free, no signup, private.
Can I afford to hire my first employee?
Answer 'can I afford to hire?' in one place: your employee's true monthly cost, the extra sales needed to break even, your cash runway, best/worst-case scenarios, and a clear go/no-go.
Am I charging enough?
Find out if your price covers your true cost and the margin you want — with a break-even price, the price you should charge, and how much a small increase adds.
Should I buy or lease this equipment?
Compare the true total cost of buying vs leasing equipment over how long you'll keep it — with the break-even point, payback period, and a clear buy-or-lease verdict.
Can I afford this business loan?
See the real monthly payment, total interest, your profit after the payment, and a debt-service coverage check — plus a stress test — to decide if a business loan is affordable.
How much should I set aside for taxes?
See how much of your profit to set aside every month and quarter for self-employment and income tax, so the quarterly bill is never a surprise.
Should I raise my prices?
See exactly how a price increase affects your profit — including the maximum volume you can lose and still come out ahead.
Each one is built on the free calculators behind it, so the answer is always yours to check. Want a decision we haven't covered? Tell us.
Every decision engine is powered by our free calculators — 300+ of them, no signup, no ads.
Browse the calculators →Subscribe and we'll email you our Simple Monthly Budget (Google Sheets & Excel, plus a phone version) — free. Then the occasional short note on pricing, bookkeeping, and the money side of a small business. No spam — unsubscribe anytime.