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Profit Margin Calculator
Gross profit, margin and markup from cost and price.
Calculator
Markup Calculator
Selling price and margin from cost plus a markup %.
Calculator
Break-Even Calculator
Units and revenue needed to cover your fixed costs.
Calculator
Return on Investment Calculator
Net gain, ROI % and annualized return.
Calculator
Pricing Calculator
What to charge, from your costs, your pay and the market.
Calculator
Hourly Rate Calculator
Convert between salary and hourly, weekly and monthly pay.
Calculator
Freelance Rate Calculator
The rate you need after expenses, taxes and admin time.
Calculator
Discount Calculator
Sale price and savings, including stacked discounts.
Calculator
Sales Tax Calculator
Add tax to a price, or back it out of a total.
Calculator
Percentage Change Calculator
Percent increase or decrease between two values.
Calculator
Business Days Calculator
Count or add working days, excluding weekends and holidays.
Calculator
Meeting Cost Calculator
The people-cost of a meeting, per session and per year.
Calculator
Employee Cost Calculator
Salary plus taxes, benefits and overhead.
Calculator
S Corp Savings Calculator
Whether an S corp election saves tax at your profit and salary.
Calculator
Payback Period Calculator
How long until an investment pays for itself.
Calculator
CAGR Calculator
Compound annual growth rate and doubling time.
Calculator
Customer Lifetime Value Calculator
What a customer is worth, and what you can spend to win one.
Calculator
Loan Payment Calculator
Monthly payment, total interest and amortization.
Calculator
Cash Runway Calculator
How many months your cash will last at today’s burn.
Calculator
Depreciation Calculator
Straight-line vs. declining-balance schedules.
Calculator
How to Test a Business Idea Before You Spend Money
Seven steps from idea to a go, adjust or stop decision — starting with the costs, not the price.
Guide
How to Choose a Business to Start: A Practical Shortlist Method
From a long list to two or three ideas worth testing, based on your skills, time and money.
Guide
Franchise or Start on Your Own? How to Compare the Real Numbers
The fees, the evidence and a year-by-year comparison — so you know what the brand has to deliver.
Guide
Margin vs. Markup: What's the Difference and Why It Matters
Two ways to describe the same profit — and the pricing mistake that comes from mixing them up.
Guide
How to Calculate Your Break-Even Point (With Examples)
Fixed costs, contribution margin and how many sales it takes to stop losing money.
Guide
How to Set Your Freelance Rate: A Step-by-Step Method
Why salary ÷ 2,080 undercharges, and a method that covers taxes, expenses and admin time.
Guide
What Does an Employee Really Cost? Beyond Salary
Payroll taxes, benefits and overhead — how to estimate the fully loaded cost of a hire.
Guide
How Loan Amortization Works (and Why Early Payments Are Mostly Interest)
Why the balance falls slowly at first — and what that means for term length and paying early.
Guide
Cash Runway and Burn Rate: How Long Will Your Cash Last?
Net burn, runway, and the practical levers that buy you more time.
Guide
Customer Lifetime Value: How to Calculate It and Use It
What a customer is worth — and how much you can afford to spend winning one.
Guide
Business Idea Check
Enter your costs and see what to charge, the sales you need and the cash to start.
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Run your business
Starting a business and running it year after year: Business Launch, Business Year, your structure and the business guides.
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Business Launch
A six-stage checklist for starting a business: structure, setup, how you will be paid, separate finances and the first-year tax calendar.
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Business Year
Running an open business through the year: monthly books, quarterly estimates, year-end, January's forms and filing season.
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Business guides
Plain-English guides on paying yourself, estimated taxes, payroll, S corporations, records and selling a business.
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Tax calendar
Federal tax and filing deadlines for your business structure, with a calendar download.
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Business types
How a familiar business works — work, customers, costs, licenses — then test a local plan.
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Evaluate a franchise
Understand franchise fees and compare franchise and independent economics.
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Contact
Ask GHL Financial Services for help, or send a question or correction.
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Templates
Free Excel workbooks: startup plan, budget, pricing and margin, 13-week cash flow.
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An optional free account keeps your businesses on any device.
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