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Venture financing - terms, mechanics, and the arithmetic

SAFE and note conversion calculator

A stack of SAFEs and convertible notes converted into a priced round. Pre-money and post-money instruments are handled by their own rules, mixed stacks are solved simultaneously, and every input is encoded in the URL.

Instruments

Amount Valuation cap Discount % Type Rate Years MFN
Enable JavaScript to edit the instrument stack. The formulas, the worked comparison, and the parameter reference below are static text and do not require it.

Conversion

Post-round cap table

Ownership: same terms as pre-money and as post-money instruments

The bars re-run the identical stack with every instrument treated as pre-money, then as post-money. The new investor's percentage is unchanged either way; the difference is taken from founders and existing holders.

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The formulas

Round price per share

Converting instruments and any newly created option pool sit inside the pre-money share count, so the new investor's percentage is fixed by its cheque and the post-money valuation and every additional converting share dilutes only the existing holders.

S = pre-money fully diluted shares, after conversion and after any new pool p = PRE / S round price per share N = R / p new shares issued for the round T = S + N total post-round fully diluted shares new investor ownership = R / (PRE + R), whatever converts

Pre-money instrument (pre-money SAFE, convertible note)

The cap is divided by a capitalisation that excludes the shares issuable on conversion of the instruments, so the share count is fixed before the round price is known. Several pre-money instruments converting into the same round dilute one another.

A = amount * (1 + r*t) amount converting, with simple interest CP = cap / (FD + pool) cap price CP = min(cap price, p * (1 - discount)) if a discount is also present CP = p * (1 - discount) if uncapped shares = A / CP

Post-money instrument (post-money SAFE)

The cap is divided by the capitalisation after all instruments convert and before the new money, so the instrument fixes a percentage rather than a share count. Later instruments no longer dilute earlier ones; founders and existing holders absorb all of it.

w = A / cap fixed fraction of the pre-new-money capitalisation shares = w * S CP = A / shares = cap / S committed ownership before the round = sum of A_k / cap_k

The circular case

A post-money instrument takes a fixed percentage of a base that includes all converting shares. A pre-money instrument takes a fixed share count from a base that excludes them. Put both in one round and each depends on the other, so the stack is solved simultaneously.

S = (FD + pool + sum of fixed share counts) / (1 - sum of w)

With one pre-money instrument issuing 400,000 shares against FD = 8,000,000 and one post-money instrument at w = 0.125: S = 8,400,000 / 0.875 = 9,600,000, so the post-money instrument takes 1,200,000 shares rather than the 1,142,857 it would have taken alone. It is diluted by nothing and expanded by everything. This calculator solves the stack numerically, so a discount, an MFN election, or accruing interest in the same stack is handled without a closed form.

Cap against discount

An instrument carrying both converts at whichever produces the lower price. The switchover depends only on the cap and the discount, not on the share count, so it is known the day the instrument is signed.

the cap binds when PRE > cap / (1 - discount)

The switchover is independent of the share count, because the count cancels out of both sides, so it can be computed the day the instrument is signed. The discount price itself is not. It is the discount applied to the actual round price p = PRE / S, and S includes the shares issuing on conversion and any new pool, so price and share count are solved together rather than in sequence. An illustration that divides the pre-money valuation by the pre-conversion count alone identifies the same binding term but quotes a higher discount price for the same instrument.

Note interest

Accrued interest buys extra shares at the same conversion price, which is arithmetically identical to a discount on the price once the holding period is fixed. Interest and a stated discount stack multiplicatively, not additively.

equivalent discount = 1 - 1 / (1 + r*t) combined share multiplier = (1 + r*t) / (1 - discount)

Most favoured nation

An MFN instrument may elect the terms of a later qualifying instrument issued before conversion. Here the election is modelled as taking the lowest cap of any later capped instrument in the stack, the instrument's own form being unchanged.

effective cap = min(own cap, caps of all later capped instruments)

Option pool

A term sheet stating a pool percentage has not stated what the percentage is measured against. Both conventions are supported and they give different pool sizes, different prices, and a different cost to founders on identical headline terms.

enlarged pre-round base, fraction f: pool = s_existing * f / (1 - f) post-round base, fraction g: T = s_existing / (1 - g - q), pool = g * T where q = R / (PRE + R) s_existing = FD + converting shares

Conversion price when the round prices below the cap

A cap is a ceiling on price, not a floor on ownership. The standard documents convert a capped instrument at the cap price even where the round prices below it, so this calculator does not floor the conversion price at the round price. Where an instrument carries a discount as well, the discounted round price is compared and the lower of the two is used. Conversion price definitions vary between templates; read the specific document.

Pre-money versus post-money SAFE on identical headline terms

Reference values. One instrument of 1,000,000 at an 8,000,000 cap, no discount, on 8,000,000 pre-round fully diluted shares, converting into a 3,000,000 round at a 12,000,000 pre-money valuation and no new pool.

QuantityPre-money SAFEPost-money SAFE
Existing fully diluted shares8,000,0008,000,000
Capitalisation the cap divides by8,000,000, excluding SAFE shares9,142,857, including SAFE shares
SAFE conversion price CP1.00000.8750
SAFE shares issued1,000,0001,142,857
Pre-money share count for pricing the round9,000,0009,142,857
Round price per share1.33331.3125
New shares for 3,000,0002,250,0002,285,714
Total shares after close11,250,00011,428,571
SAFE holder ownership8.889 percent10.000 percent
New investor ownership20.000 percent20.000 percent
Founders and existing holders71.111 percent70.000 percent

The new investor holds 20.000 percent either way, so the entire 1.111 point difference comes out of founders and existing holders. The two instruments are not interchangeable at the same cap: the post-money cap that leaves the holder in the same position is the pre-money cap plus the amount raised on the instruments, so a 9,000,000 post-money cap issues exactly the same 1,000,000 shares as an 8,000,000 pre-money cap on 1,000,000 invested.

URL parameters

Every input is encoded in the query string, so a completed scenario is a link. Everything computes in the browser and nothing is sent anywhere.

ParameterMeaningExample
fdPre-round fully diluted share count, excluding shares issuable on conversion of the instruments8000000
prePre-money valuation of the priced round12000000
raiseNew money in the priced round3000000
safesComma-separated instruments, oldest first. Each is amount:cap:discount:type, discount a decimal fraction, type pre, post, or note<r>:<t>. Append ~mfn for a most-favoured-nation election. A cap of 0 means uncapped.1000000:8000000:0:post
poolNew option pool as a decimal fraction, created inside the pre-money share count. Defaults to 0.0.1
poolbasepre for a fraction of the enlarged pre-round count, post for a fraction of the post-round count. Defaults to pre.post

The reference scenario as a post-money SAFE:
https://venture-capital.wiki/calc/safe/?fd=8000000&pre=12000000&raise=3000000&safes=1000000:8000000:0:post

The same headline terms as a pre-money SAFE:
https://venture-capital.wiki/calc/safe/?fd=8000000&pre=12000000&raise=3000000&safes=1000000:8000000:0:pre

A mixed stack, solved simultaneously:
https://venture-capital.wiki/calc/safe/?fd=8000000&pre=12000000&raise=3000000&safes=500000:10000000:0:pre,1000000:8000000:0:post

A note with a cap, a discount, and eighteen months of 6 percent simple interest:
https://venture-capital.wiki/calc/safe/?fd=8000000&pre=12000000&raise=3000000&safes=1000000:8000000:0.2:note0.06:1.5

Published and maintained by · [email protected]. About this reference · venture-capital.wiki · the wider network.

A simplified model. Conversion mechanics are set by the instrument, not by a formula: the definition of capitalisation, whether the pool is counted before or after the increase, whether interest converts or is paid in cash, what counts as a qualified financing, how an MFN election interacts with the priced round itself, and whether the conversion price is floored at the price paid by new money all vary between templates and between amended instruments. Reconcile any output here against the closing cap table line by line. See convertible instruments, dilution and cap table math, and the waterfall calculator.

Reference information only. Not legal, tax, or investment advice. Venture financing documents vary materially between transactions and jurisdictions; the structures described here are common patterns, not the terms of any particular deal. Consult counsel.