Calculators for Small Business Owners
Pricing, margin, and cash runway — the numbers that decide whether a small business survives its first years.
Running a small business means the line between "busy" and "profitable" is thinner than most owners expect. It's entirely possible to be fully booked or selling steadily and still lose money each month because pricing didn't account for every real cost, or because markup and margin got confused during a rushed pricing decision. Cash flow adds another layer of pressure - a business can be profitable on paper and still run out of cash if receivables lag behind bills, which is why knowing your runway in months (not just your bank balance today) matters more than most owners realize until it's tight. The calculators below target the decisions that most directly determine survival: finding the exact sales volume where you stop losing money, pricing products correctly by distinguishing markup from margin, seeing how many months your current cash lasts at your current burn rate, and judging whether a specific investment or marketing spend actually paid off. Whether you're setting prices for a new product line or trying to understand why revenue isn't translating into profit, start here.
Break-Even Point Calculator
Find exactly how many units or how much revenue you need before you're profitable.
Markup vs Margin Calculator
Stop confusing the two numbers that most commonly lead to underpricing.
E-commerce Profit Margin Calculator
Factor in shipping, fees, and packaging to see your real per-order margin.
Startup Runway Calculator
See how many months your current cash lasts at your current burn rate.
ROI Calculator
Judge whether a marketing spend or equipment purchase actually paid off.
Invoice Generator
Send professional invoices with clear terms so clients pay you faster.
Small Business Pricing: Markup vs Margin
A deeper walkthrough of pricing strategy beyond the basic formula.
Emergency Fund Calculator
Size a business cash buffer for slow sales months, separate from personal savings.
Frequently Asked Questions
How do I find my break-even point? +
Divide total fixed costs by your contribution margin per unit (price minus variable cost). The Break-Even Point Calculator does this math and shows how price or cost changes shift the number.
What's the difference between markup and margin? +
Markup is the percentage added to cost to set price; margin is the percentage of the final price that's profit. The Markup vs Margin Calculator converts between the two so you price correctly.
How much cash runway should my business keep? +
Most advisors suggest 3-6 months of operating expenses, longer for early-stage businesses. The Startup Runway Calculator projects how long your cash lasts at your current burn rate.
How do I know if a marketing spend or investment paid off? +
ROI is (gain from investment minus cost) divided by cost, as a percentage. The ROI Calculator plugs in your revenue and cost figures to compare decisions on equal footing.
What should I charge to cover both costs and profit on an e-commerce product? +
Account for product cost, shipping, packaging, and payment/platform fees before your target margin. The E-commerce Profit Margin Calculator adds these in so your true margin is visible.
Do I need a business emergency fund separate from personal savings? +
Yes - mixing the two obscures your true financial position and can create tax or liability complications. Run the Emergency Fund Calculator separately for your business.
How should I structure invoices to get paid faster? +
Clear payment terms, itemized details, a specific due date, and multiple payment methods reduce delays. The Invoice Generator includes all of these by default.