Financial Calculator Suite for SMEs

Markup is the percentage you add to your cost. If an item costs $100 and you add 50% markup, the sale price is $150 (100 + 50 = 150).

Profit Margin is the percentage of the sale price that is profit. Using the same example, the profit is $50 on a $150 sale, which is a 33.3% margin (50/150 = 0.333).

Key difference: A 50% markup equals only a 33% margin! This tool shows both so you understand your true profitability.

Fixed costs are expenses that don't change based on sales volume. Add up these monthly expenses:
• Rent/Lease (office, retail space, warehouse)
• Salaries (fixed employee wages, not hourly workers)
• Insurance (business, liability, health)
• Utilities (electricity, internet, water)
• Software Subscriptions (accounting, CRM, tools)
• Loan Payments (equipment, business loans)

Example: If your rent is $2,000, salaries $5,000, and other fixed costs $3,000, enter $10,000 total fixed costs.

ROI benchmarks vary by industry and investment type:

Marketing Campaigns: 300-500% ROI is excellent (invest $1,000, get $3,000-5,000 back)
Equipment Purchases: 15-30% annually is solid
Employee Training: 25-50% improvement in productivity
Technology Investments: 30-60% ROI in first year

General rule: Any positive ROI is good, but aim for at least 15-20% annually to beat inflation and opportunity costs. 50%+ ROI is exceptional performance.

Absolutely! Here's how to adapt each calculator:

Profit Margin: "Cost of Item" = your time cost + materials. If you charge $100/hour and spend 2 hours, cost is $200. Add 50% markup = $300 quote.

Break-Even: "Variable Cost per Unit" = hours × hourly rate. "Sale Price per Unit" = what you charge per project. Useful for planning how many clients you need.

ROI: Perfect for evaluating marketing spend, tools, or training investments that bring in more clients.

This error appears when your sale price per unit is equal to or less than variable cost per unit. This creates a mathematical impossibility—you can't break even if you lose money on each sale!

Example of Error: Variable cost = $50, Sale price = $40 (you lose $10 per unit)
Fix: Increase sale price above variable cost, or reduce variable costs

In business terms: Every sale should at least cover its direct costs (materials, labor). The profit from each sale (contribution margin) pays for fixed costs until you break even.

No! This tool is 100% client-side, meaning:
• All calculations happen in your browser
• Nothing is sent to our servers
• No data is stored in databases
• Your numbers are completely private
• We don't track or log your calculations

If you refresh the page, your numbers will reset to default. Write down results you want to keep, or take screenshots of important calculations.

These calculators use standard business formulas taught in MBA programs and accounting courses. The math is 100% accurate.

What they provide:
• Correct mathematical calculations based on your inputs
• Industry-standard formulas and methodologies
• Instant what-if scenario analysis

What they don't replace:
• Professional financial advice from accountants or advisors
• Comprehensive business plan modeling
• Industry-specific considerations or regulations

Use these as planning tools and decision aids, but consult professionals for major financial decisions.

Currently, there's no built-in export feature. However, you can:

Take Screenshot: Use your device's screenshot function (Windows: Win+Shift+S, Mac: Cmd+Shift+4)
Print to PDF: Use browser print function (Ctrl+P or Cmd+P) → "Save as PDF"
Write Down Results: Jot down key numbers and insights for your records

We recommend taking screenshots of different scenarios for comparison when making pricing or investment decisions.