MoneyCalc Desk

Business & pricing

Price jobs, compare loans, and track the metrics that decide whether a small business works.

Pricing a job, choosing a loan, accounting for marketplace fees and tracking subscription metrics all come down to margin. These calculators show the margin before you commit.

Calculators

BidMarkup Desk

Price jobs right: markup, margin and bid price.

Contractors lose money by pricing from gut feeling. Starting from your costs, overhead and the profit you want, this tool shows the difference between markup and margin and the bid that actually delivers it.

BizLoan Desk

Compare business loan offers side by side.

Small business loans differ in rate, fees and term in ways that are hard to compare. This calculator shows the real monthly payment and total cost so you can judge an offer before signing.

SellerNet

What you really keep from every sale.

Marketplace sellers see revenue but often miss how fees, shipping and returns eat into it. We calculate the profit that is actually left per sale and the price needed to hit a target margin.

SaaS Pulse

MRR, churn, LTV and CAC in one panel.

Founders hear about MRR, churn and LTV but rarely see how they connect. This tool links them so you can test how a small change in churn moves revenue over the next year.

Related guides

How to Calculate Your Real Net Profit on Online Marketplaces

SellerNet

Platform fees, shipping, returns and ads shrink the sale price. A step-by-step way to find the profit per item.

How to Price a Job Bid: A Contractor Checklist

BidMarkup Desk

Labor, materials, overhead, contingency and profit: the pieces of a bid that keep you from underpricing a job.

Interest Rate vs APR: What the Difference Means for a Business Loan

BizLoan Desk

The rate is the cost of borrowing; the APR adds fees. Why comparing APRs gives a fairer picture of two loan offers.

SaaS Metrics Every Founder Should Track: MRR, Churn, LTV and CAC

SaaS Pulse

Four numbers explain most of a subscription business. Definitions, formulas and a worked example.

Short vs Long Loan Terms: Payment, Interest and Risk

BizLoan Desk

A longer term lowers the monthly payment but usually raises total interest. How to weigh the trade-off before you sign.

Markup vs Margin: How to Price a Job Without Losing Money

BidMarkup Desk

A job with $19,286 of cost needs a $24,108 bid for a 20% margin. A 20% markup quotes only $23,144.

5 Years or 7? How Loan Term Changes What You Pay

BizLoan Desk

A $50,000 loan at 9% over 5 and 7 years: the monthly payment you save versus the interest you add.

How One Point of Churn Changes Your MRR in Two Years

SaaS Pulse

A 24-month projection from $20,000 MRR shows why cutting churn from 4% to 3% beats most growth tactics.

How to Price for a 40% Margin After Marketplace Fees

SellerNet

Fees and ads are a share of the price, so the right price is not cost plus 40%. Here is the formula, with an Etsy example.

The Same $40 Product on Four Marketplaces: What You Actually Keep

SellerNet

A worked example shows how fees, shipping and ads turn one $40 item into very different profit on Etsy, eBay, Amazon and Shopify.

The True Cost of a Business Loan: Rate vs Fees vs Term

BizLoan Desk

Three $100,000 offers, three very different total costs. How to compare business loans using total cost and effective APR.

What Is a Good LTV:CAC Ratio? A Worked Example

SaaS Pulse

How to calculate LTV, CAC and payback from your own numbers, and what the ratio tells you about your SaaS.