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Business Finance Calculator

Math

Margin and markup, freelancer hourly rate, sales commission, break-even point, ROI, payback period and depreciation schedules in one business calculator

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About Business Finance Calculator

Seven calculators small businesses and freelancers reach for when pricing work and judging investments. Solve margin and markup from any two of cost, price, margin and markup (the two percentages are easy to mix up); work out the minimum hourly rate that hits a target income after overhead, non-billable time and profit; calculate flat or tiered commission plus base pay; find the break-even unit count and revenue; get ROI with an annualized figure; compute simple and discounted payback periods from a series of cash flows; and build a straight-line, double-declining or sum-of-years-digits depreciation schedule. Every mode uses the standard formula, shows its working, and runs in your browser.

How to use Business Finance Calculator

  • 1.Choose a calculator from the Pricing or Investment group; the URL updates so you can share it.
  • 2.For pricing, enter any two of cost, selling price, margin and markup in Margin & markup, or your income target and billable hours in Freelancer hourly rate.
  • 3.For investments, enter the initial cost and expected returns in ROI, Break-even point or Payback period to see when the money comes back.
  • 4.Use Depreciation schedule to compare methods year by year for an asset's cost, salvage value and useful life.

Frequently asked questions

What is the difference between margin and markup?
Both describe the same profit from different bases. Margin is profit divided by the selling price; markup is profit divided by cost. A product that costs 60 and sells for 100 has a 40% margin and a 66.7% markup.
What is discounted payback period?
Simple payback counts how long cash flows take to repay the investment. Discounted payback first discounts each future cash flow at your chosen rate, so it is longer and accounts for the time value of money.
Which depreciation method should I use?
Straight-line spreads cost evenly and is the most common for book purposes. Double-declining-balance and sum-of-years-digits front-load the expense, which suits assets that lose value quickly. Tax rules in your jurisdiction may require a specific method.
Is this accounting or tax advice?
No. These are standard formulas on the numbers you enter.
Why did an old Utilix tool page redirect me here?
Utilix merged several single-purpose tools into the Business Finance Calculator. Each old URL now opens this page with its mode preselected (via ?mode=<old-tool-slug>), so bookmarks and links keep working. The old tools' REST endpoints, Node.js and Python SDK functions, and MCP tools are unchanged.

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