Business Calculator
Break-Even Calculator
Find out how many units you need to sell to cover your costs — and see how a loan payment changes that number before you borrow.
Your Numbers
Rent, insurance, salaries, subscriptions — costs that don't change with sales
Materials, labor, shipping, commissions — costs per unit sold
Enter your fixed costs, variable cost per unit, and selling price to see your break-even point.
What the Numbers Tell You
Break-Even Units
The minimum number of units you must sell in a year just to keep the lights on. Below this number, you're losing money regardless of how hard you're working. Above it, every unit adds to profit.
Contribution Margin
What each unit sold actually contributes toward overhead and profit after covering its own variable cost. A higher contribution margin means faster recovery of fixed costs — fewer sales needed to break even.
Debt-Adjusted Break-Even
What your break-even becomes after adding a loan payment to fixed costs. Before borrowing, confirm your realistic annual unit volume clears this number — otherwise the loan creates a loss rather than enabling growth.
Service businesses: redefine your unit
No physical product? Define one unit as one billable hour, one client, one job, or one month of service. Set the selling price to average revenue per unit and variable cost to direct delivery cost per unit. The math works the same — and the result is just as actionable.
Ready to See What Funding Looks Like?
Once you know your break-even, you know how much runway a loan actually buys you. Get a free estimate and see what similar businesses typically qualify for.
Common Questions
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