Example numbers are filled in. Replace them with yours.
Rent, salaries, insurance, software, loan payments, and your own pay.
Cost of goods, card fees, commissions, and anything else that rises with each sale.
Optional
Break-even sales
$0
Enter your fixed costs and variable cost share.
Nothing you enter is saved or sent anywhere.
About break-even
What's the difference between fixed and variable costs?
Fixed costs stay about the same whether you sell a lot or a little: rent, insurance, salaries, software, loan payments. Variable costs rise with each sale: materials, cost of goods, card fees, commissions.
Should my own pay count as a fixed cost?
Yes. If the business only breaks even before paying you, it isn't really breaking even. Put in what you need to take home each month.
How do I find my variable cost share?
Add up last year's costs that moved with sales, then divide by last year's sales. Your P&L has what you need.
What do I do if I'm below break-even?
There are only three levers: raise prices, lower variable costs, or cut fixed costs. Knowing the gap tells you how hard each one has to pull.