Do the sums before they surprise you: tax, margin, loans and discounts, with the working shown.
The numbers behind a price are simple once you see them laid out. These calculators show their working, so you understand the answer, not just copy it.
Made for: Traders setting prices and checking margins, Businesses that charge or reclaim VAT or sales tax, Anyone comparing a loan or a hire purchase offer, Shoppers who want to know what a discount is really worth.
Markup and margin are not the same thing, and mixing them up quietly eats profit. Markup is profit as a share of cost. Margin is profit as a share of selling price. Buy something for 100 and sell it for 150, and your markup is 50 per cent but your margin is about 33 per cent. If you want a 50 per cent margin, you need to sell at 200.
Break-even tells you how many sales you need before you make any money at all. Divide your fixed costs, such as rent and salaries, by the profit you make on each unit after its own costs. If rent and wages come to 300,000 a month and each item leaves you 1,500 after costs, you need 200 sales just to stand still. Everything after that is profit.
Tax inclusive and tax exclusive prices catch people out. To remove tax from a price that already includes it, divide by one plus the rate, rather than simply taking the percentage off. At a 20 per cent rate, a price of 120 contains 100 before tax and 20 of tax, not 24. A calculator that shows the working saves embarrassing mistakes on invoices.
Loans and discounts deserve the same care. Two loans with the same interest rate can cost very different amounts depending on the term and fees, so compare total repayment, not just the monthly figure. And two discounts in a row are not added together: 20 per cent off and then 10 per cent off is 28 per cent off in total, not 30.
Yes. Pick any currency and enter whatever rate applies to you. The tools do not assume a country.
Because the tax was added to the price before tax, not to the total. To remove it, divide the total by 1.2 at a 20 per cent rate. The calculator shows this working so you can check it.
It is an estimate using a standard repayment method. Your lender may use different interest methods, fees or insurance, so always ask for their full repayment schedule before you sign.
No. The sums happen in your browser on your own device. Nothing you type is sent to us.
These calculators give estimates for planning only and are not financial, tax or accounting advice; check your figures and your local tax rules with a qualified adviser before relying on them.