Business & pricing calculators
Most small-business money questions come down to a few formulas people half-remember. Plug in your real numbers and get the answer — and a spreadsheet you can hand to someone else.
Break-Even Point
How many units you have to sell before you stop losing money — plus your margin of safety, what it takes to hit a profit goal, and profit at different sales levels.
Open calculatorMarkup and Margin
Markup and margin aren't the same number — and mixing them up is how prices end up too low. Check a price, or find the price for the markup or margin you want, and see what a discount really costs you.
Open calculatorWorking Capital
Can you pay the bills coming due this year? Working capital and the current, quick, and cash ratios from your balance sheet — plus how long cash is tied up between paying suppliers and getting paid.
Open calculatorContribution Margin
What each sale really leaves you after its own costs, laid out as a contribution income statement — and which lever moves profit most: price, volume, or cost.
Open calculatorProject Profitability
Is this job actually making money? Budget vs. actual by cost category, a forecast at completion, over- and under-billing, and what it would take to hit your target margin.
Open calculatorEmployee True Cost
What an employee really costs you: pay, employer payroll taxes (with the real wage bases), benefits, and overhead — per year, per month, and per productive hour, plus the extra first-year hiring costs.
Open calculatorHourly Billing Rate
The hourly rate you need to charge to pay yourself, cover your expenses, and make a profit — once you account for the hours you can't bill and the invoices that don't get paid in full.
Open calculatorBusiness Valuation
A ballpark value for a small business using market multiples — SDE, adjusted EBITDA, or revenue — with the add-backs shown line by line, a low-to-high range, and what it means for the owner after debt.
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