EBITDA Calculator
EBITDA is earnings before interest, taxes, depreciation and amortisation — profit measured before the cost of how the business is financed and before non-cash write-downs. This calculator works it out from your P&L two separate ways, then checks that both agree.
The two routes matter because they catch different mistakes. Top-down is revenue minus cost of goods sold minus operating expenses, with depreciation and amortisation kept out. Build-up starts from net income and adds interest, taxes, depreciation and amortisation back. If the two disagree, something is double-counted — almost always depreciation that is still sitting inside the operating expense line. The sheet flags the difference rather than quietly averaging it away.
The second half handles adjusted EBITDA, which is what a buyer or a lender will actually work from. Add back the part of your own salary a hired manager would not receive, one-off legal or restructuring costs, non-recurring write-offs — each one you can defend line by line. The sheet then applies conservative, base and optimistic EV/EBITDA multiples so you can see what the range implies, and shows the value per dollar of revenue alongside it.
It is worth being clear about what EBITDA hides. Interest is real money leaving your account. Tax is real money. Equipment written down through depreciation still has to be replaced eventually. The calculator prints those three numbers next to the result for exactly that reason: EBITDA is useful for comparing businesses, not for deciding whether you can afford next month's payroll.
The inputs here come from a P&L that has to be closed and correct first. Finmap builds that P&L from your connected accounts as the month runs, so the figures you paste into a calculator like this are current rather than six weeks old.
