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Free online tool · Planning

Break-even calculator

How many sales would cover the cost of being open? Turn your price and costs into a monthly target, then compare that target with expected sales and capacity.

No account required. Your entries stay in this page’s memory. This calculator does not send them to a server or save them to an account or browser storage.

Choose a consistent unit: one item, appointment, or job. Use the same currency throughout. Enter monthly fixed costs and whole monthly sales units. A blank optional field means unknown; zero means none.

Variable costs change with each additional sale. Fixed costs are the monthly costs you need to cover within this level of activity. Exclude collected sales tax from the selling price and avoid counting the same cost twice.

What belongs in each amount?

Fixed costs are the costs you expect to pay for the month within the capacity you are testing, such as rent and a regular software subscription. Variable costs are the costs that change with one more unit, such as materials, packaging and relevant transaction fees. Labor may behave differently depending on staffing and scheduling. Use a consistent definition and do not put the same cost in both amounts.

Include the costs you need the scenario to cover, and record what remains outside it. If you include an allowance for your own work, identify it explicitly; this calculator does not determine the tax or accounting treatment of an owner's payment.

A worked appointment example

A fictional service business charges 120 per appointment and uses 45 in costs that vary with that appointment. Each appointment contributes 75. With 9,000 of monthly fixed costs, 9,000 ÷ 75 = 120 appointments, producing revenue of 14,400. At 150 appointments, the result after these included costs is 2,250. A stated capacity of 160 appointments makes the target possible on paper; it does not prove that 120 customers will book.

Where this calculation stops

The calculation assumes one product or service—or a stable, representative sales mix—with an unchanged price and variable cost per unit. If you sell different products at different margins, calculate a defensible weighted mix or work through them separately. Do not use a simple average if the volumes differ.

The target is rounded up to whole units. For a business that sells fractional quantities, choose a smaller consistent unit. Costs may jump when you need another worker, shift, vehicle, or location; rerun the scenario at that new cost level.

Covering costs is different from having cash when a bill is due. Customer payment delays, inventory purchases, loan principal, taxes and equipment payments can create a cash need even at break-even. Use the 13-week cash workbook to examine payment timing.

Keep working on the decision

Read the full break-even guide for fixed and variable costs, mixed sales and capacity. Use the margin and markup calculator to understand your price, then read how to assess capacity before accepting more work.

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