What is the difference between markup and margin?

Markup is profit as a share of cost; margin is profit as a share of price. A 50% markup is a 33% margin. The markup and margin calculator converts between them.

How do I work out break-even?

Fixed costs divided by the contribution per unit (price minus variable cost). The break-even calculator also shows the sales needed for a target profit.

Are merchant cash advances expensive?

Usually very: a factor rate of 1.3 repaid over six months is an APR well above 60%. The calculator converts the factor rate and term to an APR you can compare with a loan.

Guide · 12 tools

Business finance and pricing

Margins and markup, break-even, discounts, invoices, working capital, and the true cost of business borrowing from term loans to factoring and merchant cash advances.

Small businesses live or die on a handful of ratios: margin, break-even, days of cash. These calculators make them fast to check, and translate the fees on business finance products into an APR you can compare.

Pair them with the tax tools for the full picture of what a sale leaves behind.

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Pricing and margin

What to charge and what is left.

Business & Start-upsProfit Margin CalculatorCalculate net profit and profit margin from revenue and total costs.Net profit margin: 25%Open the calculator Business & Start-upsGross Margin CalculatorCalculate gross profit and gross margin from revenue and cost of goods sold.Gross margin: 40%Open the calculator Business & Start-upsMarkup CalculatorCalculate selling price and gross profit from cost and target markup.Markup: 66.7%Open the calculator Business & Start-upsBreak-Even CalculatorCalculate break-even units and break-even revenue from fixed costs, selling price and variable cost per unit.Units to break even: 834 unitsOpen the calculator Business & Start-upsPricing Strategy CalculatorCompare cost-plus, value-based and competitor-anchored prices for a product and see the profit each one produces.Competitor-anchored price earns the most profit: $82Open the calculator Business & Start-upsRevenue Growth CalculatorCalculate revenue growth or decline between two periods.Revenue growth: 30%Open the calculator

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Cash and invoicing

Working capital, terms and getting paid.

Business & Start-ups13-Week Cash Flow ForecastProject the next thirteen weeks of cash from receipts and payments, find the low point, and see if you need a facility.Lowest cash balance, week 8: $16,000Open the calculator Business & Start-upsInvoice GeneratorCreate a professional A4 invoice with an optional logo, itemised charges, tax and payment details.Open the tool

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Business borrowing

Loans, lines, factoring and advances on a like-for-like basis.

Business & Start-upsBusiness Loan Affordability CalculatorFind the largest business loan your cash flow can service, using the debt service coverage ratio lenders apply.Your cash flow supports borrowing up to: $600,000Open the calculator Business & Start-upsRevenue-Based Financing CalculatorTurn a revenue-share offer into a repayment timeline and an effective APR, then compare it with a term loan.Effective annual cost of this offer: 12.9%Open the calculator Business & Start-upsInvoice Factoring Cost CalculatorPrice an invoice-finance offer: advance rate, discount fee, service fee and what it costs against waiting or a loan.Factoring this invoice costs: $1,700Open the calculator Business & Start-upsMerchant Cash Advance CalculatorConvert a factor rate and daily card sweep into the true annual rate, and see what the same money costs as a loan.The factor rate works out to an APR of: 113.2%Open the calculator

Common questions