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Small Business & Freelance Calculators
Browse pricing, break-even, e-commerce, freelance, staffing and cash-flow calculators, with topic workbooks and checked examples.
Choose a calculation for the decision in front of you. All numeric amounts come from your inputs; examples are hypothetical and every tool explains its formula and limits.
Pricing & Margin covers the price of a single item: margin and markup in both directions, the price needed for a target margin, discounts expressed as a percentage off, a sale price or the original price behind it, percentage changes and percentage points, and price elasticity from your own price test. The weighted margin, batch cost, overhead allocation, purchase variance and warranty tools handle the cost side of the same price.
Break-Even turns a cost structure into a sales target. Start with the break-even calculator, then use contribution margin for the per-unit, ratio and total view of a period, the high-low method to split a mixed cost into fixed and variable parts, and marginal cost to price extra output. The ROI and payback period calculators measure an investment in equipment, software or a campaign on its incremental cash, without discounting; target profit, sales mix, special order and process-further tools answer narrower volume questions.
Freelance Rates converts an income goal, expenses and realistic billable hours into hourly, project and blended rates and checks the effective rate of finished work. E-commerce works per order: payment fees, shipping, order contribution, acquisition payback, promotions and returns. Hiring & Payroll compares the full employer cost of a hire with a contractor, with every rate entered by you. Cash Flow covers receipts and payments, runway, the cash conversion cycle, working capital and stress scenarios.
Each calculator shows its formula and its limits under the result, and the topic workbooks at the end group the same tools with their guides, comparisons and worked examples. Results are planning estimates; nothing here is tax, legal or financial advice. Every example amount is hypothetical — replace it with your own invoices, quotes and sales records.
Pricing & Margin
Margin, markup and product price — from cost to selling price and back.
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Profit Margin Calculator
Find the gross margin, profit and markup from cost and price — or the price you need for a target margin.
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Markup Calculator
Turn a cost and a markup percentage into a selling price, with the profit and the gross margin it gives.
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Weighted Margin Calculator
Combine two product lines using revenue weights, with gross profit dollars and a check for losses instead of…
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Price Change Volume Calculator
Find the sales volume that preserves contribution after a price change, with whole-unit rounding and the…
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Discount Margin Calculator
See how a discount changes sale price, profit dollars and margin on the reduced price, including below-cost…
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Stacked Discount Calculator
Combine two sequential percentage discounts and show the final price, dollar reduction and effective…
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Batch Unit Cost Calculator
Spread the whole batch cost across sellable units, showing total cost and yield so rejected output does not…
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Overhead Allocation Calculator
Allocate a defined overhead pool using one activity driver, then convert the assigned job cost into overhead…
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Materials Price and Usage Variance Calculator
Split the cost variance of one consumed material batch into price and usage effects using the same quantity…
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Warranty Cost Planning Calculator
Model the cost allowance associated with a hypothetical warranty claim frequency, including a separate…
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Discount Percentage Calculator
Find the percentage off from an original and a sale price, the sale price after a discount, or the original…
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Percentage Change Calculator
Calculate the percentage increase or decrease between two values, the plain difference, and — when both values…
Break-Even
Break-even, contribution margin, cost behavior, ROI and payback.
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Break-Even Calculator
Find how many units you must sell to cover fixed and variable costs, and the revenue at the break-even point.
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Target Profit Units Calculator
Calculate whole units for an operating profit target and see the revenue and profit at that rounded volume,…
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Sales Mix Break-Even Calculator
Estimate break-even for a fixed two-product sales mix, with composite baskets, whole-product quantities and…
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Special Order Incremental Profit Calculator
Compare a special order with declining it, including additional setup expense and contribution displaced…
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Sell or Process Further Calculator
Compare selling existing output now with processing the same quantity further, using incremental proceeds…
Freelance Rates
Hourly, day and project rates from your income goal, expenses and time.
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Freelance Rate Calculator
Work out the hourly rate that covers your income goal, time off, business expenses and the tax rate you enter.
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Billable Hours Calculator
Turn a realistic annual work calendar and billable utilization into billable hours, nonbillable capacity and…
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Effective Hourly Rate Calculator
Compare collected revenue and direct-cost contribution per total work hour, including admin and revisions that…
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Fixed Project Price Calculator
Build a fixed project quote from delivery costs, a chosen cost contingency and a target margin, keeping the…
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Project Remaining Budget Calculator
Reforecast a fixed-fee project using costs already incurred and the work still required, preserving overruns…
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Project Backlog Capacity Calculator
Compare accepted unfinished work with productive weekly capacity and a delivery horizon, exposing both…
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Blended Team Billing Rate Calculator
Weight two role billing rates by actual planned hours and compare the resulting fees with the included…
E-commerce
Order contribution, payment fees, delivery costs and customer acquisition.
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Fee-Inclusive Price Calculator
Solve for an order price after fixed and percentage fees, then round up to cents and show the contribution…
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Shipping Cost Calculator
Add a carrier quote, packaging and handling for one order, then compare that total with the shipping amount…
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Order Contribution Calculator
Reconcile order revenue with product, fulfillment, payment, acquisition and return costs to see contribution…
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Acquisition Payback Calculator
Estimate retained orders needed to recover acquisition cost and a constant-order-rate payback period,…
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Promotion Contribution Lift Calculator
Compare the contribution from a discounted campaign with a no-promotion baseline and calculate the volume…
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Coupon Campaign Incrementality Calculator
Separate genuinely additional coupon orders from customers who would have bought anyway, then calculate the…
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Returned Inventory Recovery Calculator
Calculate future net recovery from a batch of returned goods after handling, reconditioning and disposal,…
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Channel Migration Contribution Calculator
Test whether a channel move covers lost order volume and transition spending after comparing per-order…
Hiring & Payroll
Employer budgets, productive capacity and comparable contractor costs.
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Employee Cost Calculator
Add your own pay, employer charges, benefits and operating costs to estimate an employee budget and the cost…
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Employee vs Contractor Cost Calculator
Compare full employee cost with a contractor quote for the same productive workload, showing unused employee…
Cash Flow
Receipts, payments, working capital and explicit operating scenarios.
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Cash Flow Calculator
Reconcile opening cash, dated receipts and payments for one period, retaining negative balances and showing…
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Cash Runway Calculator
Estimate time until a chosen cash reserve is reached under constant monthly flows, with explicit states for…
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Cash Conversion Cycle Calculator
Combine inventory, collection and supplier-payment days into a cash conversion cycle, including a negative…
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Working Capital Calculator
Calculate net working capital and the current ratio from balance-sheet amounts, keeping illiquid assets…
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Profit Scenario Calculator
Change price, sales volume and variable cost together and compare modeled operating profit with the base…
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Cash Stress Calculator
Stress one cash period with delayed receipts and an extra payment, showing the resulting shortfall and the…
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Client Receipt Concentration Calculator
Measure one client's share of planned cash receipts and stress a specified portion arriving after the…
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Cash Forecast Error Calculator
Reconcile actual closing cash against a forecast using signed receipt and payment differences, with explicit…
Topic workbooks
Guides, comparisons, reference tables and complete worked examples.
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Pricing and Product Cost Playbook
Move from a defined product cost to prices, margin targets and discount checks without mixing up the…
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Break-Even and Contribution Planning
Choose the right contribution boundary, account for sales mix and capacity, and check whether a break-even…
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E-commerce Unit Economics Workbook
Reconcile order revenue, fees, delivery, returns and acquisition costs before comparing channels or…
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Freelance Pricing and Project Workbook
Build a billable calendar, measure realized rates and connect fixed project quotes with delivery budgets,…
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Staffing Cost and Capacity Planning
Budget employer and contractor costs using your records, then compare productive capacity, onboarding needs…
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Cash Flow and Scenario Planning
Follow dated receipts and payments, connect working capital to operating activity, and test cash gaps under…
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Production and Supplier Decisions Workbook
Evaluate supplier terms, batch variances, special orders and constrained production using the costs and…
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Promotion and Recovery Economics Workbook
Separate promotion sales from incremental demand, then evaluate coupon exposure, customer rewards, channel…
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Service Delivery and Cash Operations Workbook
Connect accepted project work with available delivery hours, client obligations, billing assumptions and the…
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