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Free Calculator - The Accounts Deptartment

Break-Even Calculator

Find out the exact revenue your business needs to hit.

This free calculator works backwards from your income goal, your overheads, and your margins and gives you the one number that actually matters: the revenue your business must generate for you to get paid, cover your costs, and build real profit. No guesswork. No spreadsheet. Two minutes.

Free to use. No sign-up required. Takes 2 minutes.

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01

ENTER YOUR GOALS

Your desired take-home income and the profit you want to keep in the business.

02

ADD YOUR NUMBERS

Your monthly overheads, cost of goods percentage, and average job value.

03

GET YOUR TARGET

Your exact revenue target, break-even point, and jobs needed — instantly.

Your Revenue Target All figures in AUD — adjust any input to recalculate instantly
Your Income Goal
Desired monthly take-home income (after tax)
$
Enter the amount you want to land in your bank account each month.
Effective tax rate Auto
%
Calculated from 2025–26 ATO rates + 2% Medicare levy.
Superannuation (12%) Auto
$
At the current SGC rate of 12% on your gross salary.
Your Overheads (monthly)
Accounting / Bookkeeping Fees
$
Advertising
$
Insurance
$
Motor Vehicle Expenses / Rego / Fuel / Tolls
$
Office Expenses
$
Rent / Premises
$
Subscriptions
$
Telephone & Internet
$
Wages (excluding owner)
$
Superannuation on wages (12%) Auto
$
Calculated at 12% of wages above. Adjust if needed.
Other
$
Your Margins
COGS as % of revenue
%
Direct costs: materials, subcontractors, job-specific labour. If you're service-based with no materials, this may be 0–20%.
Your Profit Goal
Net profit to retain in the business (monthly)
$
Above and beyond your own income. Even $0 is fine — this is profit left in the business.
Revenue Target — per month
Annual: —
Monthly figures
  • Owner salary (gross)—
  • Income tax & Medicare—
  • Superannuation (12%)—
  • Owner take-home income—
  • Total overheads—
  • Total fixed cost base—
  • Gross profit margin—
  • Break-even revenue
    —minimum to cover costs
  • Your profit buffer—
What this means in jobs
$
  • Jobs needed to hit target—
  • Jobs needed to break even—

Want a full financial plan built around these numbers?

Book a free call →
Disclaimer This calculator is a general estimation tool only. All figures are based on information entered by the user and have not been independently verified. Results are a guide only and do not constitute financial, tax, or accounting advice. Tax calculations are based on 2025–26 ATO resident income tax rates and include the 2% Medicare levy. Individual tax obligations may vary depending on your circumstances, deductions, offsets, and business structure. Please consult a registered tax agent or accountant for advice specific to your situation. The Accounts Dept is not a licensed financial adviser. This tool does not replace a financial plan, tax return, or professional advice.
Your target —

WHAT TO DO WITH YOUR RESULTS

Your number is only useful if you act on it.

Now that you have your revenue target and break-even point, here's what to do next. These three steps will turn your calculator results into real financial clarity for your business.

01

Compare to your current revenue

Look at your last three months of invoicing. Are you consistently hitting your revenue target? If not, how far off are you — and how many jobs is that gap worth?

02

Review your pricing

If your jobs-needed number feels unrealistic, your pricing may be the problem — not your workload. Use your break-even as the floor when you quote your next job.

03

Get a full financial plan

This calculator is the starting point. A full financial plan builds on these numbers with cash flow forecasting, profit targets, and a clear roadmap for what your business needs to look like in 12 months.

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WHO BUILT THIS

Christen Hutchinson

Founder - The Accounts Department

A bookkeeper who got tired of watching good businesses run on guesswork.

I'm Christen, founder of The Accounts Dept. I specialise in working with trades and construction business owners across Australia — and the most common thing I see is owners who are fully booked, working long hours, but genuinely don't know if they're getting ahead or slowly going backwards. This calculator is the first thing I show every new client. It takes two minutes and it changes everything.

READY TO GO DEEPER?

Want a full financial plan built around your numbers?

Your break-even is the starting point — not the finish line. In a free discovery call we'll look at your results, identify where the gaps are, and map out exactly what your business needs to do to hit your income goals. No jargon. No pressure. Just clarity.

30 minutes. Free. No obligation.

Clarity. Control. Confident decisions.