Finance & Investment Calculators

Free financial tools for industrial business owners, plant managers, and accountants — machine depreciation (MACRS), break-even analysis, import duty & landed cost, machinery loans, production cost, pricing margin, and ROI. No signup required.

10 Free Tools MACRS · IRS · 2026 Tariffs Business Owners & Accountants No Signup Required

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2026 U.S. Import Tariffs — Updated

U.S. tariff rates changed significantly in 2025–2026. China goods face 20–65%+ total duty (reciprocal + Section 301). Steel and aluminum carry a flat +25% Section 232 surcharge on top of country rates. If you're importing machinery, raw materials, or components — run your landed cost calculation now before pricing a job or placing an order. Outdated cost assumptions are the #1 cause of margin erosion on imported equipment in 2026.

Free Calculators

MACRS

IRS Depreciation

2026

Tariff Rates

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How to Use These Finance Calculators

Every major equipment and production decision in a manufacturing or trade business involves at least two of these tools working together. The sequence below is the decision flow for a typical machine purchase or import sourcing project.

1 Landed Cost First

If importing — run the Import Duty & Landed Cost Calculator before any other step. In 2026, China machinery faces 45–65%+ total duty. The "cheap" machine may cost more landed than a domestic equivalent. Know this before you wire a deposit.

2 Loan vs. Cash

Once you have the total acquisition cost, use the Machinery Loan Calculator to compare monthly payments across different terms and down payments. Compare the monthly cash flow impact against the machine's expected revenue contribution.

3 Depreciation Schedule

Run both depreciation tools: MACRS for the tax deduction schedule, straight-line for the financial accounting book value. Your accountant needs both — they are different calculations for different purposes.

4 Break-Even & Pricing

Use the Production Cost Calculator to find true cost per part, then the Pricing & Margin Calculator to set a price that covers overhead. Finally, run the Break-Even Calculator to know how many units you need to sell monthly to cover the machine payment.

5 ROI Decision

The ROI Calculator for Machinery ties it all together — payback period, 5-year net benefit, and NPV at your cost of capital. This is the number your bank or investors will ask for. Build it before you need it.

6 Renovation & Facility

For shop expansions and renovations, use the Home Renovation Budget Tracker and Cost per Square Foot Calculator to build a realistic facility budget before getting contractor quotes — and to verify those quotes once you have them.

💡 Markup vs. Margin — The Most Expensive Confusion in Manufacturing

A 25% markup is not a 25% margin. If your cost is $100 and you mark up 25%, you sell for $125 — but your margin is only 20% ($25 ÷ $125). Confusing these two is the most common pricing error in job shops and manufacturing businesses. The Pricing & Margin Calculator makes the conversion instant. Run it on every quote before you submit.

Using calculator results responsibly

Turn the result into a verified shop decision

1. Check the inputs

Use measured dimensions, current labor and machine rates, and the correct material or process assumptions.

2. Compare with machine limits

Confirm the result against the machine manual, tooling data, applicable code requirements and available capacity.

3. Validate before production

Run a controlled test, record the actual outcome and revise the planning value when shop evidence differs.

Frequently Asked Questions

Under IRS MACRS, most CNC machines and manufacturing equipment fall into the 7-year property class (MACRS GDS). The first-year rate for 7-year property is 14.29% of the cost basis. Year 2: 24.49%. Year 3: 17.49%. Years 4–7: declining percentages. A $100,000 CNC machine deducts $14,290 in Year 1 under standard MACRS — or up to the full $100,000 in Year 1 if you elect Section 179 expensing (subject to annual deduction limits and taxable income limitations). Use the Machinery Depreciation Calculator to generate the complete schedule for any purchase price and property class.

Landed cost = FOB price + ocean freight + customs duty + Section 301 tariff (25–30% on most machinery from China) + reciprocal tariff (20% as of early 2026) + Section 232 surcharge (if steel/aluminum content) + customs broker fee ($300–800) + inland freight. For a $50,000 CNC machine from China: FOB $50,000 + freight $3,000 + duty at MFN rate (~2%) $1,000 + Section 301 (~25%) $12,500 + reciprocal (20%) $10,000 = approximately $76,500–$80,000 total landed before broker and delivery fees. Tariff rates are stacking and changing — use the Landed Cost Calculator with current rates before placing any order.

Markup is calculated on cost: Price = Cost × (1 + markup%). A 30% markup on $100 cost = $130 sell price. Margin is calculated on price: Margin = (Price − Cost) ÷ Price. A $130 sell price with $100 cost = 23.1% gross margin — NOT 30%. This difference compounds badly at scale: a shop running 200 jobs/month at a "30% margin" that's actually 30% markup is leaving $15,000–$20,000/month in profit on the table. The Pricing & Margin Calculator converts between all four variables instantly.

Break-even units = Fixed Costs ÷ (Selling Price − Variable Cost per Unit). For a press brake with $3,500/month in fixed costs (loan + depreciation + space): if you charge $85/part and your variable cost (materials + labor) is $42/part, contribution margin = $43. Break-even = $3,500 ÷ $43 = 82 parts/month. If you can realistically run 150+ parts/month, the machine makes sense. Below 82 parts, you're losing money. The Break-Even Point Calculator shows the chart visually so you can see exactly where you cross into profit.

Most manufacturing businesses target a payback period of 2–4 years for equipment, which corresponds to an ROI of 25–50% per year before taxes. Mission-critical equipment that eliminates a production bottleneck can justify longer paybacks (5–7 years). Equipment that simply replaces an equivalent manual process should pay back in under 3 years to account for maintenance risk and technology change. Banks and SBA lenders typically want to see a debt service coverage ratio (DSCR) above 1.25 — meaning the machine's monthly revenue contribution is 1.25× the loan payment. The ROI Calculator for Machinery calculates both payback period and DSCR from your inputs.

Standard industry guidance: add 10–15% contingency on new construction, 15–20% on remodels, and 20–25% on older homes (pre-1980) where hidden issues (asbestos, knob-and-tube wiring, cast iron plumbing) are common. The contingency is not optional padding — it covers permit-required upgrades discovered mid-project, material price changes, and scope changes. The Home Renovation Budget Tracker has a contingency line built in so you can set your target percentage and track actual contingency spend separately from the base budget.

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