Contractor pay, profit margins, break-even and more. The formulas your accountant charges hourly to run. Free, private and instant.
Your estimated net profit
Five fast tools for owners, freelancers and side-hustlers.
Free business days calculator.
Show my cost →Monthly payment, total interest, and what one extra payment per month actually saves.
Show my cost →Gross, operating and net margin from revenue and costs, in one place.
Show my cost →Enter any two of total cost, impressions, or CPM and solve for the third. Includes eCPM and cost-per-impression breakdowns.
Show my cost →Revenue and COGS to gross profit and margin %. Includes target-price reverse calculation and markup comparison.
Show my cost →Free business valuation calculator using SDE multiple.
Show my cost →Per-visit, monthly and annual lawn-care pricing by property size and service level.
Show my cost →Your hourly rate minus self-employment tax, income tax, and expenses. What's actually left.
Show my cost →The exact units and revenue needed to cover fixed and variable costs before profit starts.
Show my cost →Count weekdays between any two dates for deadlines, shipping and contract terms.
Show my cost →What your small business is worth, with low, mid and high SDE-multiple ranges.
Show my cost →Pricing a service on instinct works fine until a competitor who knows their costs undercuts you by 8%. These tools use standard accounting formulas and take about two minutes, which is faster than the hourly rate your accountant charges for the same math.
Seven tools live on this site and most visitors only need one of them. If you quoted a client an hourly rate and want to know what lands in your account after taxes, start with the Independent Contractor Calculator. It takes your rate, your billable hours, and your tax bracket, and gives you a number closer to what a paycheck would look like than what an invoice says.
If the question is whether a price you're charging actually makes money once the bills are paid, the Profit Margin Calculator and the Gross Margin Calculator answer two versions of that. Gross margin stops at cost of goods sold, which is useful for pricing a single product or service. Profit margin keeps going through overhead, interest, and tax, which is the number that tells you if the business as a whole is working. Run gross margin first when you're setting a price list. Run profit margin at the end of the quarter when you want the real picture.
Opening a location, hiring the first employee, or buying equipment on a payment plan usually raises a different question: how much do we have to sell before this decision stops costing money? That's the Break-Even Calculator. It's also the tool to reach for before agreeing to a big line-item discount, since it shows exactly how many extra units a lower price forces you to sell just to stand still.
Selling the business, buying one, or just curious what years of work are worth on paper calls for the Business Valuation Calculator, built around the SDE multiple method brokers actually use for small, owner-operated businesses. The Business Days Calculator and Student Loan Calculator handle narrower jobs, counting weekdays for a contract deadline and running amortization on a loan balance, and the Landscaping Cost Calculator and CPM Calculator serve two specific trades: lawn care pricing and ad-buy math.
Take the numbers already loaded into the Break-Even Calculator's default fields: fixed costs of $20,000, a variable cost of $12 per unit, and a selling price of $30 per unit. Subtract variable cost from price and the contribution margin is $18. That's the slice of each sale that goes toward fixed costs before anything counts as profit.
Divide fixed costs by that margin: $20,000 / $18 comes out to 1,111.1, which the calculator rounds up to 1,112 units, since you can't sell a fraction of one and still call it break-even. Multiply 1,112 units by the $30 price and break-even revenue lands at $33,360. The contribution ratio, $18 divided by $30, is 60%: 60 cents of every sales dollar goes toward fixed costs and profit, the other 40 cents covers the direct cost of making the thing.
Change either input and the number moves in a direction worth internalizing. Raise price to $32 with costs unchanged and the contribution margin jumps to $20, dropping break-even to 1,000 units exactly, 112 fewer sales needed to clear the same fixed costs. That's the entire argument for testing a price increase before cutting expenses: a small price move can outperform a much larger cost-cutting effort.
Every calculator here runs a standard accounting formula, the same one you'd find in a small business finance textbook or hear from an accountant, just without the invoice. That also means each one assumes clean, complete inputs. The break-even formula assumes variable cost per unit stays constant no matter how many units you sell, which is close to true for a service business and less true for a manufacturer who gets bulk discounts on materials at higher volume.
The profit margin and gross margin tools assume you've correctly separated cost of goods sold from operating expenses, a distinction that gets blurry fast for a one-person business where the owner's time counts as both. The Independent Contractor Calculator uses a flat 15.3% self-employment tax rate and a flat income tax rate you enter yourself, which won't capture bracket creep, state tax, or deductions beyond the business expenses field. The Business Valuation Calculator's SDE multiple is a starting point for a conversation with a buyer or broker, not an appraisal, and the low and high ranges are built by adding or subtracting 0.5 from whatever multiple you enter, not from any external data set.
None of that makes the math wrong. It makes it a first pass. Real decisions, pricing a contract, buying equipment, selling a business, deserve a second look from an accountant who can see the parts a calculator can't: your specific tax situation, your industry's actual multiples, the contract terms nobody typed into a form field.
