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🇺🇸 United States / Business
Break-even, payroll, SBA loan, and profit margin calculators built for US small businesses. Real FICA rates, SBA loan limits, and industry benchmarks.
8 calculators
Find the sales volume where your business covers total costs. Enter fixed costs, variable costs, and selling price to see your break-even point and profit margin at any output level.
Calculate monthly payments, total interest, and true APR for any US business loan. Compare loan terms side by side to find the most cost-effective financing for your company.
Project monthly cash inflows and outflows for your US business. Identify funding gaps before they happen and plan working capital requirements with confidence.
Compare monthly payments for equipment loans and leases. See total cost of ownership versus buying outright, and find the most tax-efficient way to acquire business assets.
Calculate total employer payroll costs including gross wages, FICA taxes, federal and state unemployment insurance, and benefits. See true cost-per-employee for any pay frequency.
Calculate gross, operating, and net profit margins for your US business. Understand exactly how much revenue becomes profit at each stage of your income statement.
Calculate sales commissions based on flat rates, tiered structures, or quota attainment. Model different compensation plans to see earnings at any revenue level.
Estimate total one-time and recurring startup costs for a new US business. Build a funding needs projection that covers your first 12 months of operations.
Small businesses in the US can access SBA 7(a) loans up to $5 million for working capital and general purposes, with interest rates currently ranging from prime + 2.75% to prime + 4.75% depending on loan size and term. The SBA 504 program finances commercial real estate and major equipment purchases up to $5.5 million, with a fixed-rate debenture portion typically running 25 basis points above 10-year Treasury yields. Lenders require a debt service coverage ratio of at least 1.25x, meaning business cash flow must cover annual loan payments by a 25% margin.
Payroll obligations represent one of the largest recurring costs for US employers. Employers pay 7.65% FICA on each employee's wages: 6.2% Social Security (on the first $176,100 of wages in 2025) plus 1.45% Medicare with no cap. Federal Unemployment Tax (FUTA) adds 6% on the first $7,000 per employee annually, though most employers pay an effective 0.6% after the 5.4% state credit. Sole proprietors and self-employed workers owe self-employment tax of 15.3% on net earnings (covering both the employee and employer shares), though they can deduct half of SE tax on their federal return.
Profit margin benchmarks vary considerably by industry. Grocery and food retail typically runs net margins of 2–4%, while software companies often exceed 20%. The break-even point in units equals fixed costs divided by (selling price minus variable cost per unit). For businesses carrying high fixed overhead, even modest price increases can shift the break-even dramatically: a 10% price increase on a product with 40% variable cost ratio cuts the break-even unit count by roughly 14%.
US business financing is distinct from other English-speaking markets because of the SBA guarantee structure, where the government backs 75–85% of loans, enabling community banks to lend to startups with limited collateral. No equivalent program exists in the UK (where the British Business Bank operates differently), Canada, or Australia. Additionally, the US payroll tax system requires employers to match employee Social Security and Medicare contributions dollar-for-dollar, whereas countries like the UK use a separate National Insurance Contributions system with different thresholds and rates. US C-corporations face a flat 21% federal corporate tax rate, while pass-through entities (S-corps, LLCs, sole proprietors) pay tax at individual rates up to 37%, making entity selection a critical business cost decision.