02 / Business

Business Calculators

Free business calculators for markup, pricing, break-even and valuation. Every formula comes from a published accounting or valuation source rather than a guess, no benchmark figures are invented, and every calculation runs privately inside your browser.

4 Tools No Sign-up Browser Only No Invented Numbers
4Free business tools
IBBA, CFI & SBANamed formula sources
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Nothing matches that. Try markup, margin, break even, ebitda, valuation or pricing.

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Which business calculator do you need?

These four answer the same question at four different scales: is this worth doing? Start with whichever matches the decision in front of you.

What price should I charge?

Cost in, price out. The Markup Calculator adds your markup to a cost and shows the margin it really produces, including on a job with several cost lines.

How much of each sale do I keep?

The same trade seen from the price side. The Profit Margin Calculator turns a target margin into a price and covers gross, operating and net.

How much must I sell?

Margin per sale against fixed costs. The Break-Even Calculator tells you the volume where you stop losing money.

What is the whole thing worth?

Years of margin and volume add up to a business. The Business Valuation Calculator gives a range across six methods.

They are one story at four zoom levels. Markup sets the price, margin measures what that price keeps, break-even counts how many of those margins cover the overheads, and valuation prices the whole stream. Change your markup and all four move, which is why pricing is almost always the place to start. For a worked example of the third step, read how to do a break-even analysis.

Plain English

The terms these calculators keep using

Business finance has a habit of giving ordinary ideas intimidating names. These come up across all four tools, and none of them is complicated once the jargon is stripped off.

Markup

Profit measured against what you paid. Add 50% to a cost of 100 and you charge 150. Always a bigger percentage than the margin on the same sale, because cost is the smaller number to divide by.

Margin

The same profit measured against what you charged. That 150 sale on a cost of 100 is a 33.3% margin. This is the number that appears in your accounts.

Contribution margin

What one sale leaves behind after its own variable costs, available to pay down the fixed ones. Price minus variable cost. It is the engine of break-even analysis.

Fixed vs variable costs

One question separates them: does this cost change if I sell one more unit tomorrow? Rent does not, so it is fixed. Shipping does, so it is variable.

Overhead recovery

The share of your rent, insurance, vehicles and admin that each job has to carry before any of its markup counts as profit. Overhead at 25% of direct cost means a 25% markup breaks even and earns nothing.

Margin of safety

How far sales can fall before you hit break-even, as a percentage of current sales. Usually a more useful number than the break-even point itself.

EBITDA

Earnings before interest, tax, depreciation and amortisation. A way of comparing two businesses on how their operations perform, before the effects of debt, tax rules and accounting choices.

Seller discretionary earnings

EBITDA plus one working owner's full pay and perks. The standard earnings measure when valuing an owner-operated small business, because it shows what a hands-on buyer would actually receive.

Multiple

The number you multiply earnings by to get a business value. Not a fact about your accounts but a judgement about your risk, your growth and your market, which is why we ask you for it rather than guessing.

FAQ

Business Calculators: FAQs

What are business calculators?

Business calculators are free online tools that answer the money questions behind running a company. They cover what to charge, how much you need to sell, and what the business is worth. Calcxi's business tools cover markup, profit margin, break-even analysis and business valuation, all running entirely in your browser with no sign-up.

Which business calculator should I use first?

Start with markup or margin, depending on which way round you think. Pricing is the input to everything else: the profit on each sale determines your break-even volume, and years of that profit are what a buyer pays a multiple of. If your pricing is wrong, the other calculators will faithfully compute the consequences of that wrongness.

What is the difference between markup and margin?

Markup is a share of your cost, margin is a share of your selling price. A 50% markup is only a 33.3% margin. Margin can never reach 100% while a cost exists, while markup routinely passes it. Convert with margin equals markup divided by one plus markup. Confusing the two is the most common and most expensive pricing error there is, which is why the Markup Calculator and the Profit Margin Calculator both show the two figures together.

How do I calculate markup?

Subtract the cost from the selling price, divide by the cost, then multiply by 100. An item costing 80 and selling for 100 carries a 25% markup. To go the other way, selling price equals cost times one plus the markup as a decimal. The Markup Calculator does both directions and also prices a job made of several cost lines.

How do I calculate profit margin?

Subtract cost from revenue to get profit, divide by revenue, multiply by 100. Sell for 100 at a cost of 60 and the margin is 40%. The markup on that same trade is 66.7%, because markup divides by cost instead. The Profit Margin Calculator shows both together so the two never get confused.

How do I calculate my break-even point?

Divide your fixed costs by your contribution margin, which is the selling price per unit less the variable cost per unit. With 10,000 of fixed costs, a price of 50 and a variable cost of 30, break-even is 500 units. The Break-Even Calculator also plots the chart, adds a target profit and shows your margin of safety, and the guide on how to do a break-even analysis works through a full example.

How much is my business worth?

A range, not a figure. Different valuation methods applied to the same accounts routinely disagree by a factor of three or more, and the spread between them is your realistic negotiating range. The Business Valuation Calculator runs six methods at once and reports the range rather than pretending to a single answer.

Does my markup have to cover more than profit?

Yes, and this is where quotes quietly turn into losses. Markup pays your overhead first, and only what is left is profit. If your overhead runs at 25% of direct cost, a 25% markup is exactly break-even rather than a 25% return. The job pricing tab of the Markup Calculator takes an overhead rate and shows you what actually remains.

Why do these calculators not tell me my industry average?

Because we would have to invent the number. Valuation multiples and average margins are specific to a sector, a size band, a country and a year, and a figure lifted from one market is misleading in another. Instead the tools show you what a change to that number does, and the articles explain where to source a defensible one for your own market.

Are these business calculators accurate?

The arithmetic is exact and every formula comes from a named published source. Valuation definitions come from the International Business Brokers Association, markup, margin and discounted cash flow from Corporate Finance Institute, and break-even from OpenStax managerial accounting. The estimates are still estimates. Read our Calculator Accuracy Policy for how each was verified.

Do these replace an accountant?

No. They are for understanding the shape of a decision and preparing for a conversation. Anything binding, whether that is a sale, a tax filing, a partnership settlement or raising money, needs a qualified accountant or valuer licensed in your country. How revenue and cost of goods are even defined varies by jurisdiction.

Do these work in any currency?

Yes. All four let you pick a currency symbol or use plain numbers, and the maths is currency neutral because these are ratios between costs, prices and earnings. What is not universal is what counts as a good margin or a fair multiple, which is exactly why the tools ask you to supply those rather than assuming them.

Does Calcxi store my business figures?

No. Every calculation happens inside your browser. Your revenue, costs, salaries, valuation multiples and everything else you type are never transmitted to our servers or stored anywhere. That matters more here than on most calculators, since these are the numbers you would least want leaked. See our Privacy Policy.

Do I need an account to use them?

No. Every tool on Calcxi is free with no sign-up, no login, no trial and no email gate on the results. Several of the best known business calculators hold your answer behind a form. These do not.

What business calculators are coming next?

The category is being built out from pricing outwards. You can also browse our Finance Calculators for personal money tools, Health and Fitness Calculators, and Construction Calculators. Have a request? Contact the Calcxi team and we will prioritise it.

Formula source

IBBA glossary, Corporate Finance Institute, OpenStax managerial accounting, AccountingTools and the US Small Business Administration.

No invented numbers

No industry multiples or benchmark margins are published here, because a reliable one is specific to your sector, country and year.

Privacy

All figures stay in your browser. Nothing is ever stored or transmitted to a server.

Disclaimer

Estimates for planning only. Anything binding needs a qualified accountant or valuer licensed where you trade.

Aayush Kulshrestha, founder of Calcxi

Written & verified by

Aayush Kulshrestha

B.Tech Computer Science · 8 years in web development & SEO · Bhilwara, India
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