Merchant Cash Advance Debt Calculator
Understand your combined MCA payments, payoff timeline, and cash flow impact."
How to use this calculator
Most MCA calculators handle one advance. This one is built for a stack — multiple positions running at the same time, each with its own payment, its own schedule, and its own end date. The point is to see them as one combined obligation rather than four separate ones.
Average Monthly Revenue. Use the average of total deposits from your most recent three months of business bank statements. Entering it unlocks the percentage-of-revenue figure, which shows what share of your incoming deposits is going to MCA payments.
Payment Amount and Frequency. Required for each position. These are the two figures you can read straight off your online banking without hunting for paperwork — the exact debit and whether it runs daily or weekly. On their own, they're enough to show your combined payment amount.
Original Funded Amount, Cost Basis, and Funding Date. From each funding agreement. Entering these gives you exact remaining balances and payoff dates rather than estimates, and unlocks the cost-of-capital totals at the bottom. If you don't have your funding agreement, use the "Don't know your exact funding details?" option on that position to enter a remaining balance or time instead — you'll still get an estimated payoff date instead of exact figures.
Add Position. There's no cap. Add as many as you're carrying.
Results appear as you fill fields in, so you don't need every figure before the calculator becomes useful.
What your combined payment amount means
The percentage-of-revenue figure answers a question most stacked borrowers may never have actually calculated: of every dollar that comes into the business, how much goes toward MCA payments before any other business expenses get paid.
It's measured against revenue, not profit. That's the important caveat. Deposits are the easiest figure to verify and the one lenders underwrite against, but they're not what's actually available to you. A business running thin margins can find a modest-looking percentage genuinely difficult, while a business with strong margins may carry a higher one comfortably. The figure tells you the scale of the obligation, not whether you can absorb it.
Combined daily and weekly figures matter for a different reason. Monthly is the honest number for comparing against revenue, but your bank account experiences this daily or weekly. If your positions run on mixed weekly and daily payment frequencies, the combined figures are normalized equivalents rather than a single debit you'll actually see.
What the payment timeline shows
Each bar is your combined monthly payment at that point in time, and the timeline steps down each time a position gets paid off. This is the part a spreadsheet rarely makes obvious: your payment obligations aren't fixed. They drop in stages, on dates you can already know.
The next relief marker names the first of those steps — which position clears, when, and how much daily cash it returns to the business. For a stacked borrower, that date is often more useful than the total outstanding figure, because it's the point where cash flow frees up.
Positions don't necessarily clear in the order you took them. An older position that's been paying for a year can finish before or after a newer one on a shorter term, depending on the terms of each — the timeline resolves that for you.
What it can't show is a change in circumstances. The dates assume every position continues paying as scheduled at current amounts, with no change in monthly revenue or new advances added. If you're weighing what to do about the stack rather than just measuring it, our Merchant Cash Advance Consolidation Calculator models the options.
Reading your results
Total Outstanding. The sum of what's left across every position. Where contract details were entered, this is exact; where you used the estimate option, that position is approximate.
Combined Monthly. Every position's payment converted to a monthly equivalent and added together. Daily payments use business days, weekly uses 4.33 weeks per month.
Positions. How many advances are currently outstanding.
% of Monthly Revenue. Combined monthly payments as a percentage of the average monthly revenue figure you entered.
Combined Daily and Weekly. The same total expressed at the frequency your account actually experiences.
Next Relief. The next position to finish, its date, and the cash flow amount that frees up.
Payment Timeline. Your combined monthly cost over time, stepping down as each position falls off.
Totals from Your Funding Agreements. Available for positions where you entered contract details. Total Cost of Capital is the combined gap between what you'll repay and what you were funded across those positions. Total Already Repaid is what's been paid back to lenders so far — note that this includes cost of capital, not just the funded amounts returned, which is why it can look large relative to what's still outstanding. If some positions used the estimate option, these totals are labeled with how many positions they cover.
Your cost of capital is fixed at funding. It does not decrease as you repay, and paying early does not reduce the cost except when your advance is structured with a prepayment discount. To see the remaining balance on one advance, use our MCA Payoff Calculator.
Frequently Asked Questions
Common questions about how the calculator works and what the numbers mean.
For positions with contract details entered, it's calculated from the original funded amount, cost basis, and funding date — applied to each position and added up. For positions using the estimate option, it's based on the remaining balance or time you entered.
Use the "Don't know your exact funding details?" option on any position to enter a remaining balance or remaining time instead.
You'll still get an estimated payoff date and it'll count toward your combined totals — just labeled as an estimate rather than exact.
Your combined monthly payment across all positions, divided by the average monthly revenue you entered. It's measured against revenue, not profit, since revenue is the figure you can verify directly from business bank account deposits.
Each position was likely evaluated on its own at the time you took it. But your business bank account doesn't experience them separately — every payment draws from the same account on the same schedule. The combined figure is what actually determines your day-to-day cash flow.
Not necessarily. Each position runs on its own term, so a newer position on a shorter term can clear before an older one, and vice versa. The payment timeline reflects each position's actual payoff date rather than assuming a fixed order.
The calculator assumes your positions continue paying as scheduled at their current amounts. It doesn't project future revenue, so if your revenue drops or grows, your actual percentage-of-revenue figure will shift even though the payment schedule itself won't.
See your options in minutes
No impact to your credit. No obligation. Just real offers matched to your business.
See Your Options →Secure & encrypted. Takes 2–3 minutes