Financial model for your business

Online business plan calculator

Calculate the financial part of a business plan: revenue, costs, taxes, net profit, investment, payback and break-even point.

This free online business plan calculator builds a financial model from your assumptions. Enter operations or sales, average check, direct, variable and fixed costs, taxes and startup investment to calculate profit, break-even, payback and financial safety margin.

Choose a business model

Choose a business type to open a dedicated financial model with the relevant calculation inputs.

The scenario changes terminology and suggested roles only. Formulas and entered values remain unchanged.

Separate calculators by business model

Calculate your business financial model

Enter values for your idea. Zero is valid when an item does not apply to the business.

Enter your assumptions and the calculator will update the key financial metrics.

Business plan calculation example: two sales channels

Inputs. The business expects 12 regular operations per day with an average check of UAH 1,500 and direct cost of UAH 700. It also expects 3 operations with its own delivery: a UAH 1,800 check, UAH 800 direct cost and UAH 200 delivery cost. Sales and delivery run for 20 days per month.

Revenue: 12 × 1,500 × 20 + 3 × 1,800 × 20 = UAH 468,000. Direct cost: 12 × 700 × 20 + 3 × 800 × 20 = UAH 216,000. Gross profit: 468,000 − 216,000 = UAH 252,000.

Expenses and profit. Marketing 5%, unified tax 5%, turnover military levy 1% and losses 1% give 12% × 468,000 = UAH 56,160. Own delivery is 200 × 3 × 20 = UAH 12,000. Variable expenses equal UAH 68,160 and contribution equals UAH 183,840. Fixed expenses, including two UAH 25,000 salaries, 22% employer social contribution, rent, utilities and other payments, are UAH 127,902. Operating profit: 183,840 − 127,902 = UAH 55,938.

Break-even revenue: 127,902 ÷ (183,840 ÷ 468,000) = approximately UAH 325,600 per month. With a UAH 600,000 investment need, payback is 600,000 ÷ 55,938 = 10.7 months. Replace every demonstration input with verified business data.

This tool is for preliminary financial planning and scenario comparison. Results depend on the data you enter and are not a guarantee of future income.

Profit planning algorithm

Identify fixed costs that arise regardless of activity volume: rent, fixed salaries, accounting and legal services.
Identify variable costs that grow with activity: cost of sales, turnover tax and levy, delivery, bonuses, marketing and write-offs.
Estimate revenue and gross profit using operation volume, average value and cost per operation.
Compare gross profit with fixed and variable costs and determine the break-even point.
Set an ambitious but realistic net-profit target and calculate the sales volume required to achieve it.

Calculation and tax settings

The calculator does not choose a sole-proprietor tax group for you. In 2026, Group 3 starts with 5% unified tax and a separate 1% military levy on turnover. Every field remains editable.

Days you sell each month days Multiplies one day of sales and cost of sales by the number of working days. Days you pay for delivery each month days Used only to calculate the cost of deliveries paid by the business. Group 3 unified tax % turnover Percentage of monthly turnover. The starting value is 5%; enter your own rate for another tax arrangement. Sole-proprietor military levy on turnover % turnover A separate percentage of monthly turnover. The 2026 starting value for Ukrainian Group 3 is 1%; edit it or enter 0 when it does not apply. Military levy on employee salaries % salary The 2026 starting value for ordinary salary is 5%. This is a separate percentage withheld from employee gross salary. Employee salary income tax % Income-tax percentage withheld from gross salary. Social contribution paid by the employer % Percentage added to employee salaries and used for the owner contribution. Minimum salary UAH In 2026, the starting base for the owner’s monthly social contribution is UAH 8,647; the field remains editable.

Planned business indicators

Enter your own figures. The selected scenario changes terminology only; it never changes formulas or numeric values.

Infrastructure

Property and initial investment.

Property area m² Total area of the leased premises. Monthly rent UAH per m²/month Monthly rent per square metre. Rent prepayment months Number of rent months paid before launch. Utilities UAH/month Average monthly utility cost. Renovation cost UAH Preliminary estimate for renovating the premises. Equipment and furniture UAH Total initial investment in equipment and furniture. Website, POS software and other investment UAH Website development, POS software and other investment in the premises. Registration, launch marketing and other start-up costs UAH Registration, launch campaign and other costs incurred before opening.

Operating indicators

Number of sales, average purchase amount, inventory and supplier credit.

How many regular sales or services per day? operations/day Enter sales that do not use your own delivery. How many sales use your own delivery per day? operations/day Fill this in only when your business arranges and pays for delivery. Average amount of a regular sale UAH How much one customer pays on average without your delivery. Average amount of a sale with delivery UAH How much a customer pays on average for an order you deliver. Goods, materials or raw-material inventory days Number of sales days covered by inventory on hand. Supplier payment delay days Average payment delay for goods, materials or raw materials.

Cost of sales and variable costs

Costs that change with sales volume.

Cost of one regular sale UAH Your cost of goods, materials or work for one sale. Cost of one sale with delivery UAH Cost of goods or work before the delivery expense itself. Employee bonuses % of revenue Share of revenue allocated to bonuses, including payroll taxes. How much does one delivery cost you? UAH/delivery Courier, fuel or delivery-service cost for one order. Ongoing marketing costs % of revenue Share of revenue allocated to advertising and customer acquisition. Defects, returns and write-offs % of revenue Expected share of revenue lost through defects, returns and write-offs.

Staff, salaries and payroll taxes

The source Excel workbook contains six staff rows. Enter headcount and gross salary for each row; the other eight figures calculate automatically.

Role	Employees	Military levy	Income tax	Net salary	Social contribution	Cost per employee
Owner / director		0	0	0	0	0
Manager		0	0	0	0	0
Sales specialist		0	0	0	0	0
Operations employee		0	0	0	0	0
Role 5		0	0	0	0	0
Role 6		0	0	0	0	0
Total	0

Fixed and variable costs

This is the current result. It changes immediately when any field is edited.

Editable fixed costs

Accounting and legal services UAH/month Monthly estimate for accounting and legal support. Website, software and social media support UAH/month Recurring monthly digital infrastructure cost. Other fixed costs UAH/month Contingency for other recurring monthly costs.

Monthly fixed costs

Owner social contribution	0
Salaries and payroll taxes	0
Rent and utilities	0
Accounting and legal services	0
Website, software and social media support	0
Other costs	0
Total fixed costs	0

Monthly variable costs

Employee bonuses	0
Customer delivery	0
Ongoing marketing costs	0
Unified tax on turnover	0
Military levy on turnover	0
Defects, returns and write-offs	0
Total variable costs	0

Financial plan

This is the current result. It changes immediately when any field is edited.

Financing and cash reserve

Cash reserveUAHCash held for unexpected costs as part of total assets. LoansUAHLoan financing allocated to the project.

Investment planning

Assets	Amount
Fixed assets	0
Renovation	0
Furniture and equipment	0
Other fixed assets	0
Goods, materials or raw-material inventory	0
Prepaid rent	0
Cash reserve for unexpected costs	0
Total resources (assets)	0

Equity and liabilities	Amount
Owner equity	0
Loans	0
Supplier payables	0
Total equity, investment and liabilities	0

Investment required0Owner equity + Initial launch costs

Monthly profit plan

Revenue	0
Revenue from regular sales	0
Revenue from delivered sales	0
Cost of sales	0
Cost of regular sales	0
Cost of delivered sales	0
Gross profit	0
Variable costs	0
Contribution profit	0
Fixed costs	0
Net profit	0

Break-even point and target profit

The break-even point shows how many operations per day are needed for gross profit to cover fixed and variable costs. The table displays the modelled range from 0 to 129 operations.

Target monthly net profitUAH/monthDesired profit used to calculate the required operation volume.

Break-even point0

Operations for target profit0

Current operation volume0

Margin of safety0

Investment payback0

Break-even point

Fixed costsVariable costsTotal costsGross profit

Total operations per day	Fixed costs	Variable costs	Total costs	Gross profit

Questions for analysing the result

Which cost items are critical and which are not material to achieving the result?
Which assumptions create the largest risk that the project becomes loss-making?
What sales level is required to reach the target profit, all else being equal?
How should employee incentives be designed so staff benefit from developing the business?
How does supplier payment delay affect investment required and working capital?
If a 10% price rise reduces customers and sales volume by 15%, will profit increase or decrease?
Change the inputs and identify which assumptions have the greatest effect on net profit.

File format

Analytics stores only anonymous calculation parameters — no name, phone number or email address.

Online business plan calculator: what the model calculates

This online business plan calculator turns operating assumptions into a structured financial forecast. It calculates monthly revenue, direct cost of sales, gross profit, variable costs, contribution, fixed costs, operating profit, break-even revenue, financial safety margin, investment need, target sales volume and estimated payback. The result is designed for early feasibility checks and scenario comparison, not as a promise of future profit.

The universal model uses two sales channels: regular operations and operations with your own delivery. You enter the expected operations per day, average check and direct cost for each channel. The calculator applies the same transparent formulas to your values, so a useful result depends on realistic inputs.

Revenue and direct costs

Two operating channels

For each channel, enter the number of operations per day and the average check. Monthly revenue equals daily operations multiplied by the average check and the number of sales days. Keeping the channels separate helps show whether delivery produces additional contribution or only adds cost.

Cost of goods or direct service cost

Enter the direct cost per operation for both channels. Depending on the business, this may include goods, materials, ingredients, packaging or another cost that rises with each sale. Gross profit is revenue minus these direct costs. Your own delivery cost is entered separately as a variable expense.

Variable and fixed expenses

Variable expenses may include employee bonuses, delivery, marketing as a share of revenue, turnover taxes and losses or waste. Fixed expenses include rent, utilities, accounting, software support, other regular payments and the employer cost of the team. Up to six employee roles can be added with their headcount and salary.

The model subtracts variable expenses from gross profit to calculate contribution. It then subtracts fixed expenses to calculate monthly operating profit. This separation is important: a business can have positive gross profit and still lose money after payroll, premises and administrative costs.

Startup funding, inventory and supplier credit

The startup section includes renovation, equipment, software investment, other startup costs, prepaid rent and a cash reserve. Inventory is estimated from monthly direct costs and the number of inventory days. Supplier payment delay reduces the amount that must be financed immediately. Own capital and loans are entered separately, allowing you to compare the project need with the available funding structure.

Break-even point and payback

Revenue is calculated from both operating channels.
Direct cost is deducted to obtain gross profit.
Variable expenses are deducted to obtain contribution.
Fixed expenses are deducted to obtain operating profit.
If the contribution ratio is positive, break-even revenue is fixed expenses divided by that ratio.

The safety margin shows how far forecast revenue is above the break-even level. The target operations indicator estimates the volume needed for the profit goal entered in the form. Payback is calculated only when operating profit is positive: investment need is divided by monthly operating profit.

How to build a realistic business plan

Use a conservative daily sales estimate rather than maximum capacity.
Keep the average check and direct cost in the same currency and period.
Include the full team, payroll charges, rent, utilities, taxes and recurring services.
Add enough inventory and cash reserve for the operating cycle.
Compare a weak, base and strong scenario by changing the input assumptions.

How to interpret the result

A positive result means that the entered assumptions produce a surplus under the calculator’s formulas. It does not validate demand, pricing or operational capacity. Compare the forecast with supplier quotations, payroll offers, confirmed customer data and actual sales. After launch, replace assumptions with plan-versus-actual figures and recalculate the model regularly.

Frequently asked questions about the calculator

These answers explain what the selected model calculates and how to enter data correctly.

What will I receive after the calculation, and can I view sample files?

Yes. Open the complete PDF sample in a new tab or download the real Excel sample. Both files are generated by the same calculator with demonstration data and contain the same sections as a personal result.

XLSXView and download the Excel sample PDFOpen the PDF sample in the browser

What does this business plan calculator calculate?

It combines sales, cost of sales, staff, taxes, fixed costs and variable costs, then shows revenue, gross, contribution and net profit, investment, payback and the break-even point.

How should regular sales and delivered sales be entered?

Enter operations without delivery paid by your business as regular sales. Enter sales delivered to the customer at your expense in the separate delivery fields, and never count the same operation twice.

Can unused fields be left blank?

Yes. A blank or zero field is treated as zero and does not stop the rest of the calculation.

How are Ukrainian sole-proprietor taxes handled?

The calculator does not choose a tax group automatically. Group 3 starts with a 5% unified tax and a separate 1% military levy on turnover; both rates, the social contribution and minimum-salary base remain editable.

Which result formats can be downloaded?

Choose Excel for a detailed working table or PDF for a ready analytical report. Both files use the same inputs and calculation results.