Business Budget Calculator

Your details

Monthly revenue from physical or digital product sales.
Monthly revenue from services, consulting, or subscriptions.
Grants, interest income, licensing fees, or any other income.
Direct costs tied to producing your products or delivering your services: materials, manufacturing, direct labour.
Salaries, wages, employer taxes, health benefits, and commissions.
Office or retail rent, electricity, water, internet, and phone.
SaaS subscriptions, cloud hosting, software licences, and IT support.
Business insurance premiums, accounting, legal, and compliance fees.
Paid ads, SEO, content production, events, and PR.
Stationery, packaging, cleaning, and general office consumables.
Travel, training, subscriptions, and any other recurring overhead.
Currency
Gross profitHealthy margin
$33,000.00

Total revenue minus cost of goods sold

Total revenue$47,000.00
Gross margin70.2%
Total operating expenses$19,300.00
Net profit$13,700.00
Net margin29.1%
Monthly budget balance$13,700.00
OpEx-to-revenue ratio41.1%
Cost of goods sold$14,000.00
29.1% %
Loss<0Thin0-10Acceptable10-20Healthy20+
Revenue$47,000.00
COGS$14,000.00
Operating Expenses$19,300.00
Net Profit$13,700.00

Your business is profitable at a 29.1% net margin.

  • Your gross margin of 70.2% is strong, meaning the core business generates solid value before overhead is counted.
  • A net margin of 29.1% provides a reasonable cushion. Reinvesting surplus into growth areas (marketing, product, talent) can compound returns.

Next stepUse this budget monthly: compare actuals to your plan and adjust the largest variance category first.

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