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Financial Calculators

Run the numbers to validate or adjust your plan

Gain confidence in your plan by making sure your numbers make sense. Estimate loan payments, projected overhead, and debt load to help you with your decision. You can also estimate how long it may take to get a return on your investment (ROI).

How to use the calculators

  1. Select a calculator below.
  2. Enter inputs where indicated*. Calculations will appear automatically.
    * Average interest rate and term are used as a starting point. To use different rates or terms, simply enter a new amount in the appropriate field. Calculations will update automatically.
  3. Update any input field to generate different results.
  4. To start over, simply clear all fields, add your new numbers, and recalculate.

Loan Payment Calculator

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.

Loan Term Calculator

Loan Term Calculator

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

Debt Load Calculator

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 (Personal)
 

Overhead Calculator

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.

Revenue

 
Revenue (Net Receipts)

Expenses

Type Period Amount $ Percent % Monthly $ Annual $  
Salaries  
Supplies  
Lab Fees  
Mortgage/Rent  
Add Another Expense
Total Expenses (Overhead)  

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

Return On Investment Calculator

Return On Investment Calculator

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

General Information

Cost Increases

Enter the estimated monthly amount of incremental expense you may incur as a result of the addition of this equipment.


$ Add Another Cost Increase
Total Additional Monthly Costs $  

Expense Savings

Enter the estimated monthly amount of additional savings you may receive as a result of the addition of the equipment.


$ Add Another Expense Savings
$  
Estimated combined revenue increase and savings.
Estimated number of months it will take for your investment to pay for itself. $
Estimated number of years it will take for your investment to pay for itself. $
Estimated percentage of incremental revenue your new equipment yields. $
 

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.

Wells Fargo Practice Finance is the only practice and commercial real estate lender recommended for members of the American Dental Association.

ADA® is a registered trademark of the American Dental Association. ADA Member Advantage is a service mark of the American Dental Association. ADA Member Advantage is a program brought to you by ADA Business Enterprises, Inc., a wholly owned subsidiary of the American Dental Association.

All financing is subject to credit approval.

Wells Fargo Practice Finance is the only practice and commercial real estate lender recommended for members of the American Dental Association.

All financing is subject to credit approval.

Wells Fargo Practice Finance is the only practice and commercial real estate lender recommended for members of the American Dental Association.

All financing is subject to credit approval.

Wells Fargo Practice Finance is the only practice and commercial real estate lender recommended for members of the American Dental Association.

All financing is subject to credit approval.

Wells Fargo Practice Finance is the only practice and commercial real estate lender recommended for members of the American Dental Association.

All financing is subject to credit approval.

Wells Fargo Practice Finance is the only practice and commercial real estate lender recommended for members of the American Dental Association.

All financing is subject to credit approval.

Wells Fargo Practice Finance is the only practice and commercial real estate lender recommended for members of the American Dental Association.

All financing is subject to credit approval.

Wells Fargo Practice Finance is the only practice and commercial real estate lender recommended for members of the American Dental Association.

All financing is subject to credit approval.

Wells Fargo Practice Finance is the only practice and commercial real estate lender recommended for members of the American Dental Association.

All financing is subject to credit approval.

Wells Fargo Practice Finance is the only practice and commercial real estate lender recommended for members of the American Dental Association.

ADA® is a registered trademark of the American Dental Association. ADA Member Advantage is a service mark of the American Dental Association. ADA Member Advantage is a program brought to you by ADA Business Enterprises, Inc., a wholly owned subsidiary of the American Dental Association.

All financing is subject to credit approval.

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