Free calculators for small business
Run the numbers before
you bet the business.
Ten free, browser-based calculators built for owners, profit margin, markup, break-even, cash flow, loans, ROI, hiring cost & startup budget, with industry benchmarks and rates from the IRS, BLS & SBA.
Stop guessing about margins, pricing, and cash. Every tool gives you an exact answer in seconds, no spreadsheet, no sign-up, nothing leaves your browser.
- 10
- Free calculators
- 6
- In-depth guides
- 51
- States compared
- $0
- No sign-up, ever
Quick margin check
Live · in your browserEnter monthly revenue and total costs to see your profit and margin.
What the calculators are really for
About 33.3 million small businesses power the U.S. economy, yet roughly half won't make it past their fifth year. The difference is rarely revenue; it's whether the owner knows their margins, break-even point, and cash flow before the money runs out.
Business counts: SBA Office of Advocacy, 2023 Small Business Profile. Survival: BLS Business Employment Dynamics. Self-employment tax: IRS. How we calculate →
Popular calculators
Profit Margin Calculator
Most usedCalculate gross, operating, and net profit margins. See how your margins compare to industry benchmarks.
Markup Calculator
EssentialConvert between markup and margin. Find the price that hits your target profit on every sale.
Break-Even Calculator
EssentialFind exactly how many units, or how much revenue, you need to cover your costs.
More calculators
Cash Flow Forecaster
Project 12 months of cash flow with seasonal swings and shortfall alerts.
Business Loan Calculator
Estimate monthly payments, total interest, and compare loan options.
ROI Calculator
Analyze investment returns, compare options, and find your payback period.
Employee Cost Calculator
See the true cost of a hire, salary, payroll taxes, benefits, and overhead.
Business Valuation Calculator
Estimate what your business is worth using revenue and earnings multiples.
Startup Cost Estimator
Plan a startup budget with categorized costs and a funding-gap view.
What a healthy margin looks like in your industry
Typical net profit margins by sector. If you're below the low end for your industry, your pricing or cost structure needs attention, the Profit Margin Calculator shows which.
Sector midpoints from NYU Stern's annual margin study (7,000+ U.S. companies), cross-checked with IRS Statistics of Income returns. Your business may differ, use the calculator with your own numbers.
Business finance guides
Plain-English explainers for the numbers behind your business.
Understanding Profit Margins
Gross, operating, and net margins explained with industry benchmarks.
Read guide →Pricing Strategy for Small Business
Cost-plus, value-based, and competitive pricing methods compared.
Read guide →Break-Even Analysis Explained
How to calculate your break-even point with real-world examples.
Read guide →Cash Flow Basics
Why profitable businesses fail, and how to forecast cash before it bites.
Read guide →Financial Ratios Guide
The key ratios every small business owner should track and understand.
Read guide →Tax Planning for Small Business
Essential tax strategies, deductions, and deadlines for small business owners.
Read guide →Built for owners, freelancers & founders
Retail & e-commerce
Calculate markups, margins, and break-even points for every product you sell.
Service businesses
Price your services profitably with cost-plus and hourly-rate calculators.
Freelancers & founders
Set rates that cover your costs, model a hire, and plan before you launch.
The takeaways
Where to start
- Know your net margin first, run the Profit Margin Calculator with last month's revenue and costs, then compare it to your industry benchmark above.
- Before launching a product or service, find your break-even point so you know the sales level that turns a profit.
- Forecast cash flow, not just profit, profitable businesses still fail when cash runs short before revenue lands.
- Choosing where to form an LLC? Form where you operate, not just the cheapest state, out-of-state filing usually adds foreign-registration fees.
Frequently Asked Questions
What is SmallBizCalc?
SmallBizCalc is a free suite of financial calculators and plain-English guides for small business owners, covering profit margins, markup, break-even, cash flow, loans, ROI, hiring costs, and startup budgets. Every calculator runs entirely in your browser.
How accurate are the calculators?
The calculators use standard accounting and finance formulas, with rates and benchmarks drawn from the IRS, the Bureau of Labor Statistics (BLS), and the Small Business Administration (SBA). They give solid planning estimates, for tax filing and complex decisions, confirm with a CPA or accountant.
Do I need an account to use the tools?
No. All ten calculators are free to use directly in your browser. No registration, no email, no credit card, ever. Nothing you type is sent to a server.
Which calculator should I start with?
Start with the Profit Margin Calculator to understand your current profitability. Use the Break-Even Calculator when launching a new product or pricing a service, and the Startup Cost Estimator before you open the doors.
Are the calculators suitable for freelancers and sole proprietors?
Yes. Every calculator is built for solo operators, freelancers, and small businesses with 1–50 employees. The Employee Cost, Cash Flow, and ROI calculators are especially useful when deciding whether to take on staff.
About this data
SmallBizCalc is an independent publisher of free small-business calculators and guides. Here's exactly how the numbers are produced.
Standard formulas
Every calculator uses the same accounting and finance formulas a CPA or textbook would use, and explains the math it runs.
Primary public sources
Rates and benchmarks come from the IRS, the Bureau of Labor Statistics, the SBA, the Federation of Tax Administrators, and each state's Secretary of State.
Updated & independent
We revise pages when the underlying sources change and accept no payment from any company, advertisers never influence the tools.
Read our methodology, editorial policy & corrections, and sourced statistics. Published by SmallBizCalc · sources: IRS · BLS · SBA · state agencies.
Ready to run your numbers?
Start with the calculator most owners reach for first and see exactly where your margins stand.
Calculate profit margin