Banking
Break-even calculator
Break-even is the point where sales cover all your costs, with nothing left over and nothing lost. Knowing it helps with pricing, hiring, and deciding whether a new truck or a new location makes sense. Enter your monthly fixed costs, your price, and your cost per sale to see how many sales you need.
Enter monthly fixed costs, the price, and the direct cost of each sale. The break-even point shows up here.
- Break-even sales
- Break-even revenue
- Left after direct costs
- Sales for the profit goal
Show the math
Estimate only. Real businesses have mixed products and costs that shift with volume.
Reviewed October 1, 2026 by Brandon Chiesa, a Central Virginia business banker with 15+ years of experience.
What to do with your results
- Does this monthly sales number match what you actually sell now?
- If you add a new fixed cost, how many more sales would you need?
How to use
- Enter your monthly fixed costs (rent, salaries, insurance, loan payments, and so on).
- Enter your average price per sale and the direct cost of each sale (materials, fuel, commissions).
- See your break-even point in sales and dollars. Add a monthly profit goal to see what it takes to hit it.
Worksheets to use with this
12-month cash flow projection (XLSX)
Map out cash coming in and going out each month and spot tight months before they hit.
Related tools
Estimates for education only. Not an offer of credit or a promise of approval. Actual terms depend on the lender and credit approval. Not affiliated with any employer. Read the full disclaimer.