Business Budget Calculator
Plan revenue, COGS, opex, payroll, and taxes. See gross profit, net profit, margin, and top cost drivers.
Use the Business Budget Calculator
Add revenue and cost rows (COGS, opex, payroll). Optionally add tax. Results show profit and margin.
Revenue
COGS
Operating expenses
Results (monthly)
Total revenue
$30,000
Gross profit
$22,000
Net profit
$2,000
Profit margin
6.7%
Largest cost drivers
- Payroll: $15,000
- COGS: $8,000
- Opex: $5,000
Assumes flat monthly amounts. Adjust rows to match your budget; add capex/loan/owner draws separately for cash flow.
What this metric means
A budget ties revenue and costs together so you can see profit and margin. Use it to set targets and spot the biggest cost drivers.
How to interpret
Compare gross and net margin to prior periods or targets. Use the “largest cost drivers” list to decide where to trim or invest.
FAQs
What should I put in COGS vs opex?▾
COGS are direct costs of delivering what you sell (materials, direct labour). Opex are other operating costs (rent, marketing, admin).
Why is tax % optional?▾
Tax depends on structure and jurisdiction. Enter a rough % of profit if you want to see net profit after tax; otherwise leave at 0.
How do I add capex or loans?▾
This version focuses on P&L. For cash flow, add loan repayments and capex as separate line items and subtract from net profit to get a simple cash view.
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