# biz-calculator

> Free business profit, COGS, OPEX, break-even & ROI calculator for entrepreneurs worldwide.

biz-calculator is a free web-based business calculator that helps entrepreneurs calculate profit margins, cost of goods sold (COGS), operating expenses (OPEX), break-even points, and return on investment (ROI). It supports multiple currencies and business types including product selling, service businesses, and manufacturing.

## Core Features

- **Profit Calculator**: Calculate gross and net profit margins from selling price, product cost, and monthly expenses
- **COGS Calculator**: Break down cost of goods sold including materials, packaging, shipping, and labor
- **OPEX Tracker**: Track operating expenses like rent, salaries, utilities, and marketing
- **Break-Even Analysis**: Find how many units you need to sell to cover all costs
- **ROI Calculator**: Calculate return on investment and payback period
- **Multi-Currency**: Supports PHP, USD, EUR, GBP, JPY, and 10+ currencies
- **Business Types**: Tailored inputs for product sellers, service providers, and manufacturers
- **PDF Export**: Download detailed financial reports
- **Scenario Comparison**: Save and compare different business scenarios

## Pages

- [Home / Calculator](https://biz-calculator.com/)
- [Blog](https://biz-calculator.com/blog)
- [Guides](https://biz-calculator.com/guides)
- [About](https://biz-calculator.com/about)
- [Contact](https://biz-calculator.com/contact)

## Guides

- [How to Calculate Profit Margin](https://biz-calculator.com/guides/how-to-calculate-profit-margin)
- [Break-Even Analysis Guide](https://biz-calculator.com/guides/break-even-analysis-guide)
- [What Is COGS?](https://biz-calculator.com/guides/what-is-cogs)
- [ROI Calculator Guide](https://biz-calculator.com/guides/roi-calculator-guide)
- [OPEX vs CAPEX](https://biz-calculator.com/guides/opex-vs-capex)
- [Pricing Tips](https://biz-calculator.com/guides/pricing-tips)
- [Profit Calculator for Food Business](https://biz-calculator.com/guides/food-business-profit-calculator)

## Blog Topics

The blog covers 40+ business ideas with real stories, real numbers, and actionable guides:

- Food Business (food carts, bakeries, catering, food trucks, milk tea)
- Tech Business (3D printing, computer shops, CCTV installation)
- Service Business (laundry, pet grooming, car wash, barbershop, photography, event planning)
- Retail (sari-sari store, rice retailing, buy & sell, ukay-ukay, motorcycle parts)
- Online Business (freelancing, online tutoring, digital products, graphic design)
- Agriculture (egg farming, farm-to-table vegetables)
- Passive Income (vending machines, e-loading, WiFi vendo)
- Manufacturing (t-shirt printing, candle making)

## Key Formulas

- **Gross Profit** = Revenue - COGS
- **Net Profit** = Gross Profit - OPEX
- **Gross Margin** = (Selling Price - Product Cost) / Selling Price × 100
- **Net Margin** = Net Profit / Revenue × 100
- **Break-Even Quantity** = Monthly OPEX / Gross Profit Per Unit
- **ROI** = Net Profit / Total Investment × 100
- **Payback Period** = Total Investment / Monthly Net Profit

## FAQ

**What is COGS?**
Cost of Goods Sold — the direct costs of producing or acquiring products you sell, including materials, packaging, and shipping.

**What are operating expenses (OPEX)?**
Monthly recurring costs to run your business: rent, salaries, utilities, marketing, and miscellaneous expenses.

**What is break-even?**
The minimum number of units you need to sell to cover all costs. Below this number you lose money, above it you profit.

**What is ROI?**
Return on Investment — measures how much profit you earn relative to your total investment. Higher ROI means better returns.

**How is payback period calculated?**
Total investment divided by monthly net profit. It tells you how many months until you recover your initial investment.

## Contact

- Website: https://biz-calculator.com
- Contact page: https://biz-calculator.com/contact