Business Planning Toolkit

Business planning tools

Five calculators for the money questions that come up as a business grows: what to charge, how much you need to sell, whether cash will last, and what hiring or borrowing would cost. No sign-up, nothing to download.

Start where your question is

Each tool works on its own. Taken in order, they build on each other: price your work, cover your costs, manage cash, then weigh a hire or a loan.

01Price your work
- What should I charge?Pricing & Profit Margin CalculatorMargin, markup and profit per unit from your unit cost and what you charge, or what to charge to reach a target margin.
02Cover your costs
- How much do I need to sell?Break-Even CalculatorThe units and monthly sales needed to cover your fixed costs, from what each unit sells for and what it costs to provide.
03Manage cash
- Will I have enough cash each month?Business Cash Flow PlannerA month-by-month projection of your bank balance from the cash you expect to receive and pay out.
04Hire or borrow
- What would a hire cost?Employee Cost CalculatorThe yearly and monthly cost of an employee from salary or hourly pay plus the employer costs you enter.
- What would a loan cost?Business Loan Payment CalculatorMonthly payment, total interest and a year-by-year schedule for a fixed-rate business loan.

How these tools work

The math runs in your browser. Nothing you type is saved, sent or added to the page address.
Results are estimates from the figures you enter. They are not tax, legal or lending advice.
Each page shows the formula it uses and a worked example, so you can check the arithmetic.

Want help with the numbers behind your plan?

Go Big Accounting works with small-business owners on budgeting, financial statements, projections and getting ready for financing.

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