Useful calculators for US & Canadian small businesses.
Use these free tools for everyday business decisions—no signup and no email capture. Built for small-business owners in the United States and Canada.
Check the health of your books in minutes
QuickBooks Cleanup Cost Estimator
Months behind? Get itemised cleanup hours, a timeline, a budget range in USD or CAD and a prioritised fix list.
Estimate my cleanup → BANK RECONCILIATIONBank Reconciliation Checker
Find out why your reconciliation won’t balance. Seven diagnostic tests, including a search of your uncleared items.
Check my reconciliation → PROFIT HEALTHBusiness Profit Health Scanner
Score margins, payroll, cash runway and receivables against your industry, and see where profit is leaking.
Scan my profit health →When to use it
Modelling savings growth, comparing loan offers, or estimating the cost of a business loan or line of credit. Pick the compounding frequency that matches the underlying product.
Want a fuller forecast?
Use our free 13-week cash flow forecast calculator, or ask us about forecasting built on your reconciled bank data.
Markup vs Margin Calculator — COGS & Profit
Use this free margin calculator to instantly find your gross profit, profit margin %, and markup % from your cost of goods sold and selling price. Add optional shipping, platform fees, and a desired margin target to model your pricing with confidence. Built for e-commerce sellers, retailers, restaurants, and service businesses.
Enter your cost and selling price, then click Calculate margin & markup to see your profit breakdown.
When to use this calculator
This markup vs margin calculator is useful whenever you need to:
- Price a new product — work backwards from your target margin to find the right selling price
- Check your e-commerce margins — factor in Shopify, Amazon, or Etsy fees to see your true take-home profit
- Calculate restaurant food cost margins — use COGS to confirm your menu pricing covers labour and overheads
- Compare wholesale vs retail pricing — understand how markup and margin differ at each stage
- Model platform fee impact — see instantly how a 3–15% marketplace fee affects your bottom line
Why margin matters
Margin and markup are often confused — but they measure very different things:
- Profit margin is profit as a percentage of revenue. A 40% margin means you keep $0.40 of every $1.00 sold after covering COGS.
- Markup is profit as a percentage of cost. A 67% markup on a $12 product gives a $20 selling price — but only a 40% margin.
- Break-even price is the minimum you must charge to recover all costs. Selling below this means a loss on every unit.
- Target margin pricing lets you work backwards from the profit you need, not just guess a number that “feels right.”
Want cleaner numbers behind your margins?
AccoTiva helps e-commerce brands, retailers, and restaurant operators keep their COGS accurate, their overheads tracked, and their pricing profitable — all year round, not just at year-end.
Calculator questions
What is the difference between margin and markup?
Margin is profit expressed as a percentage of selling price. Markup is profit expressed as a percentage of cost.
How do I calculate the break-even point?
Divide your monthly fixed costs by your contribution margin per unit (selling price minus variable cost per unit). The result is the number of units you need to sell to cover your costs with zero profit.
How much do bookkeeping services cost for a small business?
AccoTiva plans start at $175 per month for clean monthly books, $250 per month with management reporting, and $450 per month with KPI dashboards and forecasting. Your exact fixed fee depends on transaction volume and number of accounts.
What is a good profit margin for e-commerce?
Healthy margins vary by product, channel, and growth stage. Use the calculator with your actual COGS, shipping, processing, returns, and overhead before setting targets.
Want numbers you can trust behind every calculation?
AccoTiva keeps your books accurate and up to date so your margins, break-even, and cash flow are based on real data.
Get a Free Bookkeeping Consultation →