Business & Operations calculators
Freelance rate, employee cost, pricing, cash flow, and operations tools
17 calculators · 2 guides
Business calculators here cover the numbers that decide whether an operation works: margin and markup, the volume needed to break even, what to charge, what an employee really costs once on-costs are counted, how long the cash lasts, and what churn does to revenue.
The most common and most expensive confusion in this group is margin versus markup. A fifty per cent markup is a thirty-three per cent margin, and treating them as the same is how a business prices itself into losses. Each page makes the distinction explicit.
Start with these in Business & Operations
Profit Margin CalculatorCalculate gross profit margin, net profit margin and the equivalent markup on cost from revenue, cost of goods sold and operating expenses.Business & OperationsBreak-Even CalculatorWork out how many units you must sell to cover fixed and variable costs, using contribution margin, plus the volume needed to hit a target profit.Business & OperationsNPV and IRR CalculatorEvaluate a capital investment with net present value, internal rate of return, profitability index and discounted payback period.Business & OperationsFreelance Rate CalculatorCalculate your ideal freelance hourly rate based on income goals, taxes, expenses, and desired profit margin.Business & OperationsEmployee Cost CalculatorCalculate the true total cost of an employee beyond their base salary, including benefits, taxes, and overhead.Business & OperationsStartup Burn Rate CalculatorCalculate gross and net burn, then project runway month by month with your revenue and cost growth trends to find the real zero-cash date.Business & Operations
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Pricing and margin
Every Business & Operations calculator
17 calculators
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- Break-Even CalculatorWork out how many units you must sell to cover fixed and variable costs, using contribution margin, plus the volume needed to hit a target profit.
- Business Insurance EstimatorEstimate your annual business insurance premium from revenue, headcount, industry, claims history and coverage level.
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- Markup CalculatorBuild a selling price from unit cost and a markup percentage, and see the gross margin, overhead and net profit that markup actually produces.
- Merchant Cash Advance CalculatorWork out the true cost of a merchant cash advance: total payback, daily holdback, repayment time and the real annualised rate.
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- Pricing Strategy CalculatorCompare cost-plus, competitive, and value-based pricing strategies to find the optimal price for your product or service.
- Profit Margin CalculatorCalculate gross profit margin, net profit margin and the equivalent markup on cost from revenue, cost of goods sold and operating expenses.
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- SaaS Gross Margin CalculatorCalculate SaaS gross margin and contribution margin from monthly recurring revenue, cost of revenue and variable selling costs.
- Startup Burn Rate CalculatorCalculate gross and net burn, then project runway month by month with your revenue and cost growth trends to find the real zero-cash date.
Guides for Business & Operations
- 7 min readBusiness Math Essentials: Numbers Every Business Owner Should KnowMaster the key financial calculations that drive business success. From margins to break-even to ROI.
- 9 min readNPV, IRR and Payback: Evaluating a Capital InvestmentHow to decide whether equipment, software or an acquisition is worth buying, and why payback period quietly favours the wrong projects.
Questions about business & operations calculators
- What is the difference between margin and markup?
- Markup is expressed against cost, margin against selling price. Buy at one hundred dollars and sell at one hundred and fifty: that is a fifty per cent markup and a thirty-three per cent margin, from the same transaction. Suppliers quote markup, accountants report margin, and mixing them up systematically overstates profitability. Which is why the calculator shows both for every input.
- How much more than salary does an employee cost?
- As a planning rule, between twenty-five and forty per cent on top of base pay once compulsory superannuation or payroll taxes, workers compensation insurance, leave loading, equipment, software licences and space are included. The share varies by country and by role, and the fixed per-head costs make junior roles proportionally more expensive than the salary difference suggests.
- Why does break-even move when I change price?
- Because break-even is fixed costs divided by contribution margin per unit, and price sits directly in that contribution. Raising price lifts contribution on every unit, so fewer units are needed. Which is why small price rises move profitability far more than equivalent cost cuts. The trade-off the calculator cannot see is how many customers you lose at the higher price.