Work through a decision · Last reviewed October 10, 2026
Accounting practice offer comparison calculator
Compare two offer structures using the same assumptions. Change the collection scenario and discount rate to see whether a larger headline price changes the cash picture.
What does your scenario look like?
All starting numbers are illustrative. Calculations run in your browser. These entries are not saved or submitted.
A scenario assumption, not a probability of retention or a contractual earnout formula.
Your comparison assumption, not a market valuation or loan rate.
What do the inputs imply?
Offer A: headline consideration
Offer A: cash at closing
Offer A: scenario receipts
Fixed-principal recovery and contingent collection assumptions applied; before fees and tax.Offer A: scenario present value
Deferred principal and contingent payments are each modeled as a single future receipt; no note interest.Offer B: headline consideration
Offer B: cash at closing
Offer B: scenario receipts
Fixed-principal recovery and contingent collection assumptions applied; before fees and tax.Offer B: scenario present value
Deferred principal and contingent payments are each modeled as a single future receipt; no note interest.How is the scenario calculated?
Scenario receipts = closing cash + fixed principal × recovery percentage + maximum contingent payment × collection percentage.
Present value = closing cash + recovered fixed principal ÷ (1 + discount rate)^years + contingent scenario payment ÷ (1 + discount rate)^years.
Both offers use identical timing and collection assumptions for a controlled comparison. Model different timetables separately if their actual terms differ.
What needs separate review?
This model excludes fees, taxes, note interest, wages, rollover equity, and the cost of transition duties. It treats deferred components as lump sums. It does not interpret an actual retention formula or select a buyer. If a note amortizes, model each dated payment separately for an accurate present value.
Use actual documents for a transaction. Jason and the HedgeStone team can discuss the sale or acquisition questions behind the numbers in an intro call.
IRS Publication 537: installment sales and business-asset limits supports the policy context; the scenario formulas are original educational analysis.
Where should you go next?
Your next chapter starts with a conversation
Talk through the deal.
Before you make the decision.
Bring your questions about value, timing, buyers, or what comes next. Start with a confidential intro call with Jason Taken.