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Business & Life Calculators
ROI, break-even, markup, margin, payroll, and life event planning — tools for work and life.
25 free calculators · No signup required
What Are Business and Life Calculators?
Financial planning, entrepreneurship, career decisions, personal productivity. I've priced enough freelance projects badly and botched enough break-even analyses to know the value of running the numbers first. These tools exist so you don't have to learn those lessons the expensive way.
The business tools cover profitability, pricing, operations, and hiring costs. The life event tools help you plan and budget for weddings, babies, college, and moves — the big-ticket decisions where a calculator can save you thousands if you use it early enough.
Frequently Asked Questions
How do I calculate ROI?
ROI = (Net Profit ÷ Cost of Investment) × 100. So if you put in $10,000 and get back $12,000, your net profit is $2,000 and your ROI is 20%. The ROI Calculator also factors in time so you can see annualized returns — a 20% return over 5 years is very different from 20% in 6 months.
What is the difference between markup and margin?
Markup is the percentage added to your cost: a $10 item with 50% markup sells for $15. Margin is the percentage of the sale price that's profit: that same $15 item has a 33.3% margin. Same dollar amount, different denominators. Mixing them up is one of the most common pricing mistakes.
How do I calculate break-even?
Break-even = Fixed Costs ÷ (Price per Unit − Variable Cost per Unit). If your fixed costs run $5,000/month, you sell at $50, and each unit costs $30 to make, you need to sell 250 units to break even ($5,000 ÷ $20 contribution per unit).