Money tool

A monthly budget you will actually use.

Set a monthly limit for each kind of cost, see your profit, margin and break-even point, and work out how much to put aside for tax. Add what you have spent so far to see what is on track and what is over.

Free, no sign-up
Budget vs actual
Nothing is uploaded

Business budget calculator

Free

Expected revenue per month

Currency

Set aside for tax (%)

Leave "Spent so far" empty while you plan. Fill it in during the month to see which categories are on track, near their limit or over.

0.00Total costs

0.00Profit before tax

—Margin

0.00Set aside for tax

0.00Left after tax

A year of these costs: 0.00

Runs entirely in your browser. Nothing is uploaded.

Worth knowing

Budgets that survive the month.

01

Budget from a normal month, not a good one
Plan on the revenue of an ordinary month. A budget built on your best month quietly assumes it will repeat, and the gap shows up as debt.
02

Separate fixed and repeating costs first
Rent, software and salaries arrive every month whatever you sell. Get them down first: they decide your break-even point, and they are the costs that creep up unnoticed.
03

Set tax aside the day you are paid
Move the set-aside into a separate account as money arrives. Tax bills are only a crisis for businesses that spent the money first and worked out the bill later.

Questions

About this tool.

How do I make a budget for a small business?

Start from what you expect to earn in a typical month, list every cost by category, and check the difference is a profit you can live on after tax. Then compare what you actually spend each month against the plan, and adjust the plan, not just your behaviour, when a category is always wrong.

What percentage of revenue should I set aside for tax?

It depends on where you are and how your business is set up, but 25 to 30 percent of profit is a common starting point for sole traders and small companies. Ask an accountant for your real figure; the calculator applies whatever rate you enter to profit, not revenue.

What is a break-even point?

The revenue you need each month to cover all of your costs. Below it you are losing money; above it every sale is profit before tax. In this calculator it is simply your total monthly costs.

What is a good profit margin?

It varies widely by industry: service businesses often run 15 to 30 percent or more, retail and food far less. What matters more is that the margin covers tax, a buffer for slow months and some growth. The profit margin calculator works it out per product.

Is my data saved?

No. Everything is calculated in your browser and nothing is uploaded or stored. Use "Download CSV" to keep a copy, or track your budget month by month inside an AWGCOR account.

More free tools

While you are here.

Cash flow forecast Break-even calculator Runway calculator Profit margin calculator

All 38 free tools

Keep reading

Learn the craft.

Guide How to make a business budget Categories, tax, and the monthly review that keeps it honest. Open Guide How to make a cash flow forecast See a cash gap months before it arrives. Open Product Budgets in the dashboard Log expenses and watch each category against its limit. Open

Want this kept up to date for you?

An AWGCOR account logs your expenses, tracks every category against its budget and estimates the tax to set aside on what you have been paid.

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