Business

How to use the Business calculators

Margins, break-even, depreciation, VAT, GST, and business borrowing.

There are 9 calculators in Business. Each one has its own fields and its own formula. They are listed on this page so you can pick the question you actually have. Open the tool, replace the example, and press Calculate. The result stays in the browser.

Do not treat this index as a single worksheet. A payment, a payoff date, and a tax estimate answer different questions. Adding the headlines together mixes kinds of dollars. Read one result, then open the next tool if the question changed.

What each calculator is for

Business Loan Calculator — Estimate a business-loan APR from the note rate, upfront fees, and term. The form includes Loan amount, Note rate, Upfront fees, Term. Note rate and fees, stated as APR.

Break-Even Calculator — Find how many units you must sell to cover fixed costs at a given price and variable cost. The form includes Fixed costs, Price per unit, Variable cost per unit. Fixed costs divided by contribution per unit.

Markup Calculator — Turn a cost and a markup percent into a selling price, profit, and margin. The form includes Cost, Markup. Markup on cost, and the margin that creates.

Margin Calculator — Calculate gross margin and the matching markup from revenue and cost. The form includes Revenue, Cost. Profit as a share of the selling price.

Profit Margin Calculator — Separate gross profit and net profit from revenue, cost of goods, and operating expenses. The form includes Revenue, Cost of goods sold, Operating expenses. Gross margin and net margin from the same revenue.

The rest of this set

Depreciation Calculator — Schedule straight-line or declining-balance depreciation down to a salvage value. The form includes Cost, Salvage value, Useful life, Method. Straight line or declining balance, year by year.

VAT Calculator — Add VAT to a net price or extract VAT from a gross price. The form includes Amount, VAT rate, The amount is. Net, VAT, and gross, in either direction.

GST Calculator — Add GST to an amount or split a GST-inclusive price into base and tax. The form includes Amount, GST rate, The amount is. Exclusive or inclusive GST, at the rate you enter.

Lease Calculator — Estimate an equipment or general lease payment from cap cost, residual, and money factor. The form includes Asset cost, Amount paid up front, Residual, Money factor. Depreciation plus a finance charge.

What this category will not do

Business pages on this desk are educational. They do not apply for a loan, file a return, or move money. Where a 2026 public figure is used, the methodology names the limit and the page says what it leaves out.

If a result looks wrong, check the field that does not match your paperwork before you blame the formula. A payment that includes tax and insurance will not match a quote that is principal and interest only. A contribution above a legal limit will still compound on this desk if you type it, which is why the retirement pages tell you to type only what you are allowed to add.

A session on this page

Pick one question in Business and open only that calculator. Business Loan, Break-Even, Markup, Margin, Profit Margin, Depreciation, VAT, GST, Lease are the choices. Read the blurb under the name. If the blurb is not your question, go back and choose again. Running three tools “just in case” produces three headlines that were never meant to be added.

On the tool you chose, leave the example long enough to press Calculate once. You are checking that a result appears and that the labels match the story in the heading. Then replace every field. Margins, break-even, depreciation, VAT, GST, and business borrowing. The example numbers on each form are there so the formula can be demonstrated. They are not a suggestion that your price, payment, or income should look like the default.

Write down the headline and the two lines under it that you might quote later. If you cannot say which input produced them, you are not ready to use them. Change the input you are least sure about and press Calculate a second time. The size of the move tells you whether to go find a better source for that input before you decide.

After you press Calculate

Business stays inside finance math. It does not collect an application and it does not rank products. When the result is an estimate of tax, a retirement limit, or a payment a lender could quote differently, the page says so. The disclaimer and the methodology apply to every link on this index, including Business Loan Calculator and Lease Calculator.

In one line each, the set is: Business Loan Calculator (Note rate and fees, stated as APR.); Break-Even Calculator (Fixed costs divided by contribution per unit.); Markup Calculator (Markup on cost, and the margin that creates.); Margin Calculator (Profit as a share of the selling price.); Profit Margin Calculator (Gross margin and net margin from the same revenue.); Depreciation Calculator (Straight line or declining balance, year by year.); VAT Calculator (Net, VAT, and gross, in either direction.); GST Calculator (Exclusive or inclusive GST, at the rate you enter.); Lease Calculator (Depreciation plus a finance charge.). Open the one whose line matches the paper in front of you.

FAQs