Free business value estimator

Small Business Valuation Calculator

Build a practical valuation range using earnings, revenue and asset methods, then see how debt and business risk may change the result.

Simple calculator

Enter the core business numbers

Updates live

Annual revenue

Annual normalized earnings

Use SDE or normalized owner benefit for most owner-operated businesses.

Fair-market value of business assets

Equipment, inventory and other assets expected to transfer. Debt and liabilities to subtract

Earnings multiple

Revenue multiple

Three-method estimateThe simple result blends the earnings method at 60%, revenue at 25% and net assets at 15%. Advanced mode lets you change the weights and risk assumptions.

Valuation result

Estimated value

Blended estimated equity value $664,000 After subtracting entered debt and liabilities

Practical valuation range$568,000 – $760,000

ConservativeCentral estimateStronger case

Earnings method$655,000

Revenue method$655,000

Net asset method$115,000

Value as % of revenue55.3%

Implied earnings multiple2.77×

Debt deducted$65,000

Method comparisonEquity value

Earnings$655,000

Revenue$655,000

Assets$115,000

Use this as a starting range.

The earnings and revenue methods are closely aligned, while the asset method provides a lower reference point.

Advanced calculator

Build a risk-adjusted valuation

Updates live

Financial performance

Use normalized, sustainable annual results.

Annual revenue

Normalized earnings

Earnings type

Revenue growth, last 12 months

Recurring or repeat revenue

Largest customer share

Assets and obligations

Enter values expected to be included in the transaction.

Equipment and tangible assets

Inventory at realizable value

Net receivables included

Excess cash included

Interest-bearing debt

Other liabilities assumed

Multiples and method weights

Weights are normalized automatically if they do not total 100%.

Base earnings multiple

Base revenue multiple

Earnings-method weight

Revenue-method weight

Asset-method weight

Transferability and risk

These factors adjust the earnings and revenue methods, not the asset method.

Owner dependence

Financial records

Management team

Advanced result

Valuation dashboard

Estimated equity value $687,000 Risk-adjusted and net of entered debt

Estimated range$578,000 – $810,000

Low caseBase caseHigh case

Risk adjustment+4.0%

Adjusted earnings multiple3.12×

Earnings-method value$684,000

Revenue-method value$677,000

Net asset value$115,000

Net debt adjustment-$65,000

Risk and quality adjustmentsBalanced profile

Growth+4%

Recurring revenue+2%

Customer concentration-2%

Transferability0%

Method	Equity value	Weight	Weighted contribution
EarningsSDE × adjusted multiple	$684,000	60%	$410,000
RevenueRevenue × adjusted multiple	$677,000	25%	$169,000
AssetsIncluded assets less liabilities	$115,000	15%	$17,000

Valuation scenariosEquity value

Conservative caseLower multiples and softer risk profile

$578,000

Base caseCurrent assumptions

$687,000

Stronger caseHigher multiples and stronger buyer confidence

$810,000

Valuation is most supported by earnings.

The revenue method provides a similar reference point, while net assets act as a lower anchor.

Earnings method

Applies a market multiple to normalized SDE, EBITDA or adjusted net income. This is often the strongest method for profitable, established small businesses.

Revenue method

Applies a revenue multiple. It can be useful when margins vary, earnings are temporarily distorted or buyers commonly price businesses by sales.

Asset method

Subtracts included debt and liabilities from the fair-market value of assets. It is especially relevant for asset-heavy or low-profit businesses.

Planning estimate, not a formal appraisal.

Actual value depends on industry, buyer demand, deal terms, working capital, tax structure, diligence, financing and the quality of the business. Use this tool as a starting point for discussion with a qualified valuation, accounting or transaction professional.