Business Calculators

The numbers behind the business

Revenue gets the attention, but survival is decided by quieter numbers: the sales level where you stop losing money, the true cost of borrowed money, and what late-paying customers are really costing you. These three calculators answer those questions directly, with the formulas shown so you can trust — and check — every figure.

Choosing the right tool

• Testing an idea or setting a sales target? Use the break-even calculator. Enter fixed costs, price and variable cost per unit to find the exact sales level where profit begins — in units and in revenue.
• Considering borrowing? Use the business loan calculator. It shows monthly repayments, total interest and total cost, with side-by-side scenario comparison so you can see what a longer term really costs.
• Chasing an overdue invoice? Use the late payment fee calculator. It computes statutory interest (UK: 8% over Bank of England base rate) plus the £40/£70/£100 fixed compensation, formatted as a statement you can send.

The tools

• break-even-calculator — Break-even point in units and revenue, contribution margin per unit, and scenario modelling for price rises and cost changes.
• business-loan-calculator — Monthly repayment, total interest and total cost for business and equipment loans, with APR-aware comparison of terms.
• late-payment-fee-calculator — Statutory late-payment interest and fixed compensation on overdue commercial invoices (UK, EU and US notes).

How they work together

A typical planning session runs all three: the break-even calculator sets the sales target, the loan calculator checks whether the repayments fit inside it, and the late payment calculator protects the cash flow the first two depend on. Late payments are not just an annoyance — they directly threaten loan affordability, which is why the tools cross-reference each other.

A note on estimates

These are planning tools, not professional advice. Break-even analysis simplifies stepped costs; loan estimates assume fixed rates and exclude fees (use APR for comparison); late-payment calculations apply statute to the facts you enter but cannot assess disputes. For big decisions — signing a lease, taking a large loan, pursuing a debt — talk to an accountant or solicitor.

Privacy note

Business costs, loan amounts and invoice details are sensitive. All three calculators run entirely in your browser — your figures are never uploaded or seen by us.