Calculator
See how much of your revenue you actually keep after direct costs, overhead, and everything else.
Who this is for
Small business owners who want to know whether enough money is left after costs and overhead.
What to type in
Your revenue, direct costs, operating costs, and any other costs you want to count.
Start with the assumptions, then use the interpretation below to compare tradeoffs without bouncing between sections.
Your total sales for the period.
The cost to make, buy, or deliver what you sold.
Payroll, rent, software, and other day-to-day business costs.
Anything else that reduces profit, like interest or taxes.
Healthy margin
On $500,000.00 in revenue, direct costs and operating expenses are leaving you with 25.0% net margin.
Where every dollar of revenue goes
Revenue
$500.0K
Net profit
$125.0K · 25.0%
Other / taxes
$25.0K · 5.0%
Operating expenses
$150.0K · 30.0%
Cost of goods
$200.0K · 40.0%
Operating margin
30.0%
Net margin
25.0%
Net profit
$125K
Gross margin is 60.0%, which tells you how much room you have before overhead.
Operating margin is 30.0% after running costs like payroll, rent, and software.
You are spending $200,000.00 on direct costs and $150,000.00 on overhead.
Keep tracking whether overhead is growing slower than revenue. That is what protects margin.
Use this with break-even if you want to turn the margin math into a sales target.
Calculators are great for scenarios. Clarity connects your real accounts so the inputs stop being assumptions and start being your actual money.
Connect a bank, brokerage, or exchange in under a minute. Read-only, encrypted, never moves money.
Use this if you want to understand how the calculator works, not just plug in numbers.
Step 1
Enter revenue for the period.
Step 2
Break down costs into COGS, operating expenses, and other expenses.
Step 3
Review gross, operating, and net margins with health status indicators.
These cover the assumptions, tradeoffs, and edge cases behind the calculator.
Use the calculator for the math, then use these guides to make the decision with more confidence.