Payday Loan Rate Calculator

.be-calculator-container { font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Oxygen-Sans, Ubuntu, Cantarell, "Helvetica Neue", sans-serif; max-width: 800px; margin: 20px auto; padding: 25px; border: 1px solid #e1e1e1; border-radius: 8px; background-color: #ffffff; box-shadow: 0 4px 6px rgba(0,0,0,0.05); } .be-calculator-container h2 { color: #2c3e50; margin-top: 0; border-bottom: 2px solid #3498db; padding-bottom: 10px; } .be-input-group { margin-bottom: 15px; } .be-input-group label { display: block; font-weight: 600; margin-bottom: 5px; color: #34495e; } .be-input-group input { width: 100%; padding: 12px; border: 1px solid #ccc; border-radius: 4px; box-sizing: border-box; font-size: 16px; } .be-calc-btn { background-color: #3498db; color: white; padding: 14px 20px; border: none; border-radius: 4px; cursor: pointer; width: 100%; font-size: 18px; font-weight: bold; transition: background-color 0.3s; } .be-calc-btn:hover { background-color: #2980b9; } .be-results { margin-top: 25px; padding: 20px; background-color: #f8f9fa; border-radius: 4px; display: none; } .be-results h3 { margin-top: 0; color: #2c3e50; } .be-result-item { font-size: 18px; margin-bottom: 10px; color: #2c3e50; } .be-result-value { font-weight: bold; color: #27ae60; } .be-article { margin-top: 40px; line-height: 1.6; color: #333; } .be-article h3 { color: #2c3e50; margin-top: 25px; } .be-error { color: #e74c3c; font-weight: bold; margin-top: 10px; display: none; }

Break-Even Point Calculator

Determine exactly how many units you need to sell to cover your total costs and start generating profit.

Please ensure the Sales Price is higher than the Variable Cost.

Calculation Results

Break-Even Point (Units): 0 units
Break-Even Point (Sales Dollars): $0.00
Contribution Margin per Unit: $0.00

What is the Break-Even Point (BEP)?

The Break-Even Point is the specific production level or sales volume where total revenues exactly equal total expenses. At this point, your business is neither making a profit nor incurring a loss. Every unit sold beyond the break-even point contributes directly to your net profit.

The Break-Even Formula

To calculate the break-even point in units, use the following formula:

Break-Even Point (Units) = Total Fixed Costs / (Sales Price per Unit – Variable Cost per Unit)

Understanding the Components

  • Fixed Costs: These are expenses that remain constant regardless of how much you sell. Examples include office rent, administrative salaries, insurance, and equipment leases.
  • Sales Price per Unit: The amount of money you charge customers for a single unit of your product or service.
  • Variable Cost per Unit: Expenses that vary directly with production levels. This includes raw materials, direct labor, and shipping costs per item.
  • Contribution Margin: This is the Sales Price minus the Variable Cost. It represents the amount of money from each sale that "contributes" toward covering fixed costs.

Example Calculation

Imagine you run a candle business. Your monthly rent and utilities (Fixed Costs) are $2,000. You sell each candle for $20 (Sales Price). The wax, wick, and jar for each candle cost you $8 (Variable Cost).

Contribution Margin: $20 – $8 = $12 per candle.

Break-Even Units: $2,000 / $12 = 166.67 units.

In this scenario, you must sell at least 167 candles per month to cover all your expenses. Selling 168 candles would result in your first $12 of profit.

Why This Analysis Matters for Your Business

Performing a break-even analysis helps business owners set pricing strategies, determine the feasibility of a new product line, and set realistic sales targets. It also helps in identifying when to reduce variable costs or increase prices to reach profitability faster.

function calculateBreakEven() { var fixedCosts = parseFloat(document.getElementById('fixedCosts').value); var pricePerUnit = parseFloat(document.getElementById('pricePerUnit').value); var variableCost = parseFloat(document.getElementById('variableCostPerUnit').value); var errorDiv = document.getElementById('beError'); var resultsDiv = document.getElementById('beResults'); if (isNaN(fixedCosts) || isNaN(pricePerUnit) || isNaN(variableCost)) { alert("Please enter valid numbers in all fields."); return; } if (pricePerUnit <= variableCost) { errorDiv.style.display = 'block'; resultsDiv.style.display = 'none'; return; } else { errorDiv.style.display = 'none'; } var contributionMargin = pricePerUnit – variableCost; var breakEvenUnits = fixedCosts / contributionMargin; var breakEvenSales = breakEvenUnits * pricePerUnit; document.getElementById('resUnits').innerText = Math.ceil(breakEvenUnits).toLocaleString(); document.getElementById('resDollars').innerText = '$' + breakEvenSales.toLocaleString(undefined, {minimumFractionDigits: 2, maximumFractionDigits: 2}); document.getElementById('resMargin').innerText = '$' + contributionMargin.toLocaleString(undefined, {minimumFractionDigits: 2, maximumFractionDigits: 2}); resultsDiv.style.display = 'block'; }

Leave a Comment