Assumptions
Revenue
Fixed Costs
Variable Costs (% of revenue)
One-Time / Capital
Summary
Budget Breakdown
Budget Summary Table
| Metric | Amount |
|---|
Line Items
| Category | Item | Value |
|---|
Example Data Table
Illustrative monthly scenarios. Edit inputs above to model your own plan.
| Scenario | Total Revenue | Fixed Costs | Variable % | One-time | Tax % | Net Profit |
|---|---|---|---|---|---|---|
| Café Startup | PKR 3,200,000 | PKR 1,850,000 | 42% | PKR 900,000 | 15% | PKR 8,500 |
| Ecommerce Store | $ 45,000 | $ 18,200 | 36% | $ 3,000 | 22% | $ 7,280 |
Formulas Used
- Total Revenue = Product Sales + Service Income + Other Revenue
- Total Fixed Costs = Sum of all fixed-cost line items
- Total Variable Costs = Total Revenue × (COGS% + Marketing% + Processing% + Shipping% + Other%)
- Operating Expenses = Total Fixed Costs + Total Variable Costs
- Operating Profit = Total Revenue − Operating Expenses
- One-time Costs = CapEx + Misc One-time
- Tax = max(Operating Profit − One-time Costs, 0) × Tax Rate
- Net Profit = Operating Profit − One-time Costs − Tax
- Profit Margin = Net Profit ÷ Total Revenue
- Cash Buffer Needed = Daily Operating Expenses × Buffer Days, where Daily Operating Expenses = Operating Expenses ÷ days in period (30 for monthly, 365 for annual)
How to Use This Calculator
- Select the Period (Monthly or Annual) and choose your Currency.
- Enter Revenue amounts for products, services, and other streams.
- Fill in Fixed Costs such as rent, salaries, utilities, insurance, and other recurring expenses.
- Provide Variable Cost percentages as a share of total revenue.
- Add any One-time/Capital spending and set the Tax Rate on profit.
- Set the Cash Buffer in days to estimate a prudent reserve.
- Review the Summary, inspect the Budget Breakdown chart, and export the report to CSV or PDF.
FAQs
1) Does this calculator work for startups and established companies?
Yes. Adjust revenue, variable percentages, and fixed costs to mirror your business model. You can model low-revenue early months or steady-state operations.
2) How should I choose variable cost percentages?
Use historical averages or vendor quotes. For products, COGS is often the largest component; services may have lower COGS and higher salaries in fixed costs.
3) What tax rate should I enter?
Enter your effective rate after deductions and credits. If unsure, start with a conservative estimate and consult a professional for compliance.
4) What does the cash buffer represent?
It estimates the reserve needed to cover daily operating expenses for a specified number of days, helping you plan liquidity for shocks or seasonality.
5) Can I export and share the results?
Yes. Use the CSV and PDF buttons to download a report suitable for planning, investor updates, or internal reviews.
6) How do I switch between monthly and annual planning?
Use the Period selector. The buffer calculation adapts and the chart and tables refresh to reflect your chosen horizon.
7) What if I need more line items?
Group similar costs under Other Fixed or Other Variable and maintain a separate detailed sheet if needed. This keeps the model focused and fast.
Calculator for planning and education; not a substitute for financial advice.