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Break-Even and Payback Calculator

How many sales do you need to stop losing money?

Enter your numbers to see break-even and payback, and nothing leaves your browser.

What a customer pays for one item or one order. If your prices include VAT, enter the price without it.

Costs that grow with every sale: ingredients or stock, packaging, delivery, payment fees.

Costs you pay even in a month with no sales: rent, salaries, subscriptions, loan repayments.

Your realistic estimate, to see your profit and your payback period.

One-off costs before you open: equipment, fit-out, licences, first stock.

Your numbers

Enter a price, a cost per sale and your fixed costs to see the result.

How it is calculated

  • Margin per sale = price − cost per sale.
  • Break-even sales = fixed costs ÷ margin per sale, rounded up.
  • Monthly profit = expected sales × margin per sale − fixed costs.
  • Payback period = start-up money ÷ monthly profit.

A worked example (invented numbers)

A coffee cart sells a cup for 15. The coffee, milk and cup cost 5, so the margin is 10. Rent, wages and its other fixed costs come to 9,000 a month, so it needs 9,000 ÷ 10 = 900 cups a month to break even: about 30 a day. At 1,500 cups a month it makes 1,500 × 10 − 9,000 = 6,000 a month, and 36,000 of start-up money comes back in 36,000 ÷ 6,000 = 6 months. These numbers are made up to show the method. They are not market data.

What this does not tell you

  • Whether anyone will buy. The sales figure is your estimate: test it with real customers before you rely on it.
  • Slow months. Most businesses take months to reach their usual sales, and some months are seasonal. The payback period assumes every month is like the one you entered.
  • Tax, financing and your own salary, unless you have included them in the costs above.
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From idea to launch, step by step

Each tool is one step. In a project, the AI team runs them in this order and each step builds on the last.

  1. Check the idea

  2. Plan the money

  3. Build

  4. Launch

  5. Run and grow

Numbers are one part of the picture

Hatchio's AI team researches your market and your competitors, drafts your business plan with financial estimates, and builds your website. Your first result is free, with no card.

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