Business Planning Calculators

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Provided by Wells Fargo Practice Finance, and developed with dentists in mind, use these financial calculators to help you reach your goals – as a practice and a business. Assess the cash flow generated by your practice, determine how long it will take to get a return on your new operatory investment, and much more.

To get started, simply select your calculator using the tabs below, enter your inputs, and the results will appear automatically.

Loan Term Calculator

Want to pay down your debt more quickly? See how much faster you'll pay off an existing loan by adding an additional fixed amount to your monthly payment.


In 2014 the average student loan debt among graduating students was $247,227*. Learn more about average student loan debt.

*The American Dental Education Association, Survey of Dental School Seniors, 2014 Graduating Class

Loan Payment Calculator

Whether you're looking to start a new practice, expand an existing one, purchase new equipment or upgrade technology, use this calculator to estimate your monthly loan payment.


Debt Load Calculator

Are you ready to move forward with your practice plans? Calculate your total personal and business debt to help you determine how much you can responsibly afford to borrow.

Annual Revenue (Net Collections)

To include your personal income and debt, continue below:

Annual Income


Overhead Calculator

Having adequate cash flow is essential to meet your financial obligations such as payroll, loan payments and other practice expenses. Use this calculator to help you determine the cash flow currently generated by your practice.


  Period Amount $ Percent % Monthly $ Annual $
(Net Receipts)


Type Period Amount $ Percent % Monthly $ Annual $  
Lab Fees  
Add Another Expense
Total Expenses (Overhead)      

Total Cash Flow

Percent % Monthly $ Annual $
Total Cash Flow (Surplus)  

Return On Investment Calculator

Thinking of investing in a new operatory or CAD/CAM? Use this calculator to see how long it will take to break even and how much the return on your investment could be.

General Information

Enter the number of months the equipment will be used in your practice.  
Enter the monthly amount of incremental production you expect as a result of the addition of this equipment. $  

Cost Increases

Enter the monthly amount of incremental expense as a result of the addition of this equipment.
$ Add Another Cost Increase
Total Additional Monthly Costs $  

Expense Savings

Enter the monthly amount of additional savings as a result of the addition of the equipment.
$ Add Another Expense Savings
Combined revenue increase and savings. $
The number of months it will take for your investment to pay for itself.
The number of years it will take for your investment to pay for itself.
The percentage of incremental revenue your new equipment yields. %

The results represented in this calculation are estimates only and should be used only as a reference. They do not represent your actual monthly payment. Please consult with your Wells Fargo Practice Finance representative for detailed information about your specific loan request.

The tools and calculators on the Wells Fargo Practice Finance website are provided for educational and illustrative purposes only. The accuracy of the calculations and their applicability to your circumstances are not guaranteed. Such tools and calculators are provided with the understanding that Wells Fargo is not engaged in rendering legal, accounting, tax or other professional advice. As such, they should not be used as a substitute for consultation with accounting, tax, legal or other professional advisors. Consult your tax advisor and/or accountant for a statement of tax and accounting rules applicable to your particular situation and for all other tax and accounting advice.