Financial model for your business

Retail store profit calculator

Estimate store economics from daily sales, average transaction, product purchase cost, own delivery, rent, payroll, taxes and other expenses.

The retail store profit calculator separates in-store or pickup sales from sales with your own delivery. Enter daily sales, average transaction value and product purchase cost for each channel.

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 retail store profit

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

Enter daily sales, average transaction, product purchase cost, delivery, staff and fixed expenses.

Retail store profit calculation example

Inputs. The store expects 35 in-store or pickup sales per day. Average transaction value is UAH 620 and product purchase cost is UAH 360. Another 5 daily sales use own delivery: a UAH 780 transaction, UAH 430 product cost and UAH 180 delivery cost. The store operates for 26 days.

Revenue: 35 × 620 × 26 + 5 × 780 × 26 = 564,200 + 101,400 = UAH 665,600. Product cost: 35 × 360 × 26 + 5 × 430 × 26 = UAH 383,500. Gross profit: 665,600 − 383,500 = UAH 282,100.

Expenses. Bonuses 2%, marketing 4%, tax 5%, military levy 1% and losses 2% give 14% × 665,600 = UAH 93,184. Delivery is 180 × 5 × 26 = UAH 23,400. After UAH 116,584 in variable expenses, contribution is UAH 165,516. Fixed expenses for two employees, employer charges, rent, utilities and accounting are UAH 126,902. Operating profit is UAH 38,614.

Break-even revenue: 126,902 ÷ (165,516 ÷ 665,600) = approximately UAH 510,320. With a UAH 725,750 investment need, estimated payback is 725,750 ÷ 38,614 = 18.8 months. Enter completed transactions, not visitor traffic.

The model calculates revenue, gross and operating profit, variable and fixed expenses, break-even revenue, investment need and store payback. It does not calculate foot traffic or conversion.

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 in-store purchases and pickups per day? sales/day Count purchases made in the store and orders customers collect themselves. How many orders do you deliver to customers per day? sales/day Only orders whose delivery is paid for by your store. Average in-store or pickup purchase amount UAH How much such a customer pays on average. Average amount of an order you deliver UAH How much a customer pays on average for a delivered order. 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 goods in one in-store purchase UAH Purchase cost of goods in an average store or pickup sale. Cost of goods in one delivered order UAH Cost of goods before courier or fuel expenses. Employee bonuses % of revenue Share of revenue allocated to bonuses, including payroll taxes. How much does it cost to deliver one order? UAH/delivery Courier, fuel or delivery-service cost. 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
Store manager		0	0	0	0	0
Sales assistant		0	0	0	0	0
Cashier / order picker		0	0	0	0	0
Courier		0	0	0	0	0
Buyer / accountant		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
In-store and pickup revenue	0
In-house delivery revenue	0
Cost of sales	0
In-store cost of sales	0
Delivered cost of 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

Sales for target profit0

Current sales volume0

Margin of safety0

Investment payback0

Break-even point

Fixed costsVariable costsTotal costsGross profit

Sales per day: store/pickup + delivery	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.

Retail store business plan calculator: sales, costs and break-even

The retail store profit calculator estimates the economics of a physical shop using two sales channels: in-store or pickup sales, and sales with your own delivery. It calculates monthly revenue, product cost, gross profit, variable and fixed expenses, operating profit, break-even revenue, safety margin, investment need and estimated payback.

The form does not contain separate traffic or conversion inputs. You enter completed sales per day and the average purchase directly. If you use pedestrian traffic or conversion to forecast sales, calculate that separately and enter the resulting conservative number of daily purchases.

Sales and average purchase

In-store and pickup sales

Enter sales per day, average purchase and product purchase cost per sale. Monthly revenue equals daily sales multiplied by the average purchase and the number of sales days. Direct product cost follows the same sales volume.

Own-delivery sales

Enter separate daily sales, average purchase and product cost for orders delivered by the store. The cost of your own delivery is added as a variable expense. This split helps reveal whether delivery expands profitable sales or reduces contribution through fulfilment cost.

Product cost, inventory and working capital

Product purchase cost should reflect the goods actually sold in one average transaction. Inventory is estimated from monthly direct product cost and the entered inventory days. Supplier payment delay reduces the immediate financing requirement. A store can be profitable on paper but short of cash if inventory is purchased long before it is sold, so these timing assumptions need careful attention.

Employees and operating expenses

Add the required roles, headcount and salary in the staff section. The model supports up to six employee rows and applies the entered payroll rates. Fixed expenses also include rent, utilities, accounting, software support and other monthly payments. Variable expenses can include bonuses, delivery, marketing, turnover taxes and losses or write-offs.

Revenue minus product cost gives gross profit. After variable expenses, the model shows contribution. After payroll and other fixed costs, it shows operating profit. This makes it possible to distinguish low product economics from excessive fixed overhead.

Store opening investment

The startup model includes renovation, shop equipment, software, other setup expenses, prepaid rent and a cash reserve. Inventory is added as a working asset and supplier credit is considered. Own capital and loans are entered separately, so the calculation can compare project needs with available financing.

Break-even calculation

Revenue from both retail channels is combined.
Product purchase cost is deducted to calculate gross profit.
Marketing, bonuses, delivery, taxes and losses are deducted.
Payroll, rent and other fixed expenses are deducted to calculate operating profit.
With a positive contribution ratio, the calculator determines break-even revenue and safety margin.

The target sales indicator estimates the volume required for the chosen profit goal. Payback is calculated only when operating profit is above zero.

How to test a retail business plan

Use completed purchases per day, not visitor count.
Keep product purchase cost and average purchase based on the same sales basket.
Include inventory days, supplier terms and a cash reserve.
Add full staffing, payroll costs, rent, utilities and regular services.
Compare several daily sales scenarios before committing to a lease.

Reading the result

If the model does not reach break-even, review daily sales, average purchase, product cost, delivery expense and the fixed cost structure. The calculation is a decision aid based on your inputs; validate it with lease terms, supplier offers, staffing quotations and actual plan-versus-actual sales data.

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 the retail store business plan calculator calculate?

It shows turnover, product purchase cost, store and delivery costs, taxes, net profit, required investment, payback and the store’s break-even sales volume.

How should in-store sales, pickup and delivery be separated?

Enter purchases in the store and pickup as regular sales. Enter only orders whose delivery is paid by the store as delivered sales.

What if the store does not offer delivery?

Leave delivery volume, value, cost of sales and delivery cost blank or zero. The rest of the model will continue to work.

Can taxes and the social contribution be changed?

Yes. The initial 5% unified tax and 1% military levy are separate Group 3 fields, but the user sets the applicable rates, social contribution and minimum-salary base.

Which file format saves the store calculation?

Choose Excel for a detailed table or PDF for an analytical summary. The selected format does not change inputs or formulas.