Fill in your business income and costs on the left and click Calculate to see your full budget breakdown.
This tool uses standard accounting formulas used by businesses worldwide. Enter your revenue and every business expense category to see your full profit picture. Here is how each result is calculated:
All values are per the selected period (monthly by default). Switch to annual or quarterly in Advanced Options.
| Industry | Avg. Net Margin | Typical Range |
|---|---|---|
| Software / SaaS | ~20–30% | 10–40% |
| Consulting / Services | ~15–25% | 10–35% |
| E-commerce / Retail | ~2–5% | 1–10% |
| Food & Beverage | ~3–9% | 2–15% |
| Construction | ~5–10% | 3–15% |
| Healthcare | ~8–15% | 5–20% |
| Freelancers | ~20–50% | 10–70% |
| Manufacturing | ~5–12% | 3–18% |
Ranges vary by size, region, and market conditions. If you charge by the hour, use a consulting rate calculator to set a rate that hits your target margin. Use these as a starting benchmark only.
Fixed costs stay the same every month regardless of how much you sell or produce. They do not change with business volume.
Variable costs go up or down based on your sales or activity level. The more you sell, the more these tend to cost.
Your break-even point is the amount of revenue your business needs to make in order to cover all costs with zero profit or loss.
The formula is:
Break-Even = Fixed Costs ÷ (1 − Variable Cost Ratio)
Where Variable Cost Ratio = Total Variable Costs ÷ Revenue.
Once you pass your break-even, every extra dollar of revenue becomes profit. Knowing your break-even helps you:
Assumes fixed costs of $3,000/month and variable cost ratios of 20%, 30%, and 40% of revenue.
| Monthly Revenue | 20% Var. Cost Net Profit |
30% Var. Cost Net Profit |
40% Var. Cost Net Profit |
Margin (20%) |
|---|
Formula: Net Profit = Revenue − Fixed Costs − (Revenue × Variable Cost Ratio). Currency: $.
How much net profit you keep per $10,000 revenue under different cost combinations.
| Fixed Costs | Var. Cost 15% | Var. Cost 25% | Var. Cost 35% | Var. Cost 45% |
|---|
Revenue fixed at $10,000. Net Profit = Revenue − Fixed Costs − (Revenue × Variable Ratio). Green = profit, red = loss.
How much monthly revenue you need to break even at different cost structures.
| Fixed Costs/mo | Var. 10% | Var. 20% | Var. 30% | Var. 40% | Var. 50% |
|---|
Break-Even = Fixed Costs ÷ (1 − Variable Ratio). Higher variable costs require much more revenue to break even.
Standard corporate income tax rates around the world as a planning reference.
| Country | Corporate Tax Rate | Small Biz Rate | Capital Gains | VAT / GST |
|---|---|---|---|---|
| 🇺🇸 USA | 21% | Pass-through (varies) | 0–20% | Varies by state |
| 🇨🇦 Canada | 15% (federal) | 9% (SBD) | 50% inclusion | 5% GST |
| 🇬🇧 UK | 25% | 19% (small profit) | 10–20% | 20% VAT |
| 🇦🇺 Australia | 30% | 25% (base rate) | 50% discount | 10% GST |
| 🇩🇪 Germany | ~30% (combined) | Trade tax varies | 25% | 19% VAT |
| 🇫🇷 France | 25% | 15% (≤42,500€) | 30% | 20% VAT |
| 🇮🇳 India | 22–30% | 25% (turnover-based) | 10–20% | 5–28% GST |
| 🇸🇬 Singapore | 17% | Partial exempt | 0% | 9% GST |
| 🇳🇱 Netherlands | 25.8% | 19% (≤200k€) | 31% | 21% VAT |
| 🇮🇪 Ireland | 12.5% | 12.5% | 33% | 23% VAT |
| 🇧🇷 Brazil | 34% | Simples Nacional | 15–22.5% | ~17% ICMS |
| 🇿🇦 South Africa | 27% | 7–28% (turnover) | 18% | 15% VAT |
Rates are standard statutory rates and may differ by entity type, size, or jurisdiction. Always verify with a local tax professional.
Estimated annual net profit based on consistent monthly revenue and cost ratios.
| Monthly Revenue | Annual Revenue | Fixed (×12) | Variable 25% | Annual Net (25%) | Annual Net (35%) |
|---|
Assumes $3,000/month fixed costs. Annual values = monthly × 12. No tax applied in this table.