Farm Finance Tools
Free interactive calculators built for farm operators. No sign-up required. Show your work — every calculation includes the formula and assumptions.
Farm Cash Flow Calculator
Model your 12-month cash flow, identify funding gaps, and determine the right operating line size before you walk into the lender's office.
Operating Loan Sizing Calculator
Calculate the right operating line from first principles — monthly input costs, cash inflows, and the liquidity buffer your lender will expect.
Land Buy vs. Rent Calculator
Compare the real economics of buying vs. cash renting — opportunity cost, debt service, break-even commodity prices, and 10-year NPV.
Farm Profitability Benchmarker
Compare your key financial ratios against USDA ERS benchmarks by operation type, size, and region.
Debt Service Coverage Calculator
Calculate your DSCR — the number your lender runs before every loan renewal — and see how different income scenarios affect your coverage.
Tools launching in the next 60 days. Subscribe to The AgCFO Brief and we'll notify you when each one goes live.