Business guide
Small-Business Pricing: A Decision Framework
Build a price from costs and contribution, then test margin, volume, capacity and customer-value assumptions in a clear decision sequence.
Read guidePrivate and transparent business tools
See the economics behind your next business decision
Margin101 helps small businesses plan pricing, quotes, margins, profitability, cash flow and growth with calculations that expose their assumptions and trade-offs.
Use global planners for market-neutral business economics, or choose a market when terminology, policy or evidence changes the decision.
✓ No account required✓ Inputs stay in your browser✓ Methodology explained
Clear decisions, visible assumptions
A practical path from a commercial question to a reviewable next step.
Start with the business decision
Choose the pricing, cost, capacity, cash-flow or growth question you need to test.
Enter visible assumptions
Use your own costs, volumes, time and commercial assumptions without hidden defaults.
Compare the trade-offs
Test scenarios and see which inputs change margin, profit or break-even most.
Review the calculation
Check the formula, inclusions, exclusions, limitations and methodology before acting.
Global business guides
Learn the decision framework before opening a planner
Market-neutral guides explain the business question, assumptions and practical trade-offs that sit around each calculation.
Business guide
Small-Business Profitability: Read the Profit Layers
Separate contribution, gross profit and operating profit so each result supports the decision it actually measures.
Read guideBusiness guide
Break-Even Analysis: Threshold, Not Forecast
Turn unit contribution and fixed costs into a sales threshold, then test whether the required volume and capacity are plausible.
Read guideWhat can you work through?
Connect pricing, cost, capacity and profit before committing to a business move
Margin101 is organised around decisions and trade-offs, not a directory of isolated formulas.
Set a viable price
Work backwards from costs and target margin to understand the selling price a product or service needs.
Build a stronger quote
Bring labour, materials, overhead, utilisation, scope and contingency into one reviewable estimate.
Understand real profitability
Trace what remains after direct costs, operating costs, fees, shipping, returns and other commercial inputs.
Find the break-even point
Connect contribution, fixed costs, price and volume so the minimum viable sales target is visible.
Plan capacity and cash timing
Test how utilisation, working capital and timing constraints affect what the business can sustainably deliver.
Compare growth trade-offs
Stress-test discounts, hiring, channels and other growth choices against margin, cash and downside risk.
Start with market-neutral economics
Global planners with clear assumptions
These planners use the currency, costs and commercial assumptions you enter without silently selecting a tax or policy system.
Target Margin & Pricing Planner
Set a transparent customer price from cost, target gross margin and explicit indirect-tax treatment.
Review methodologyDiscount Profit Impact Planner
Compare discount scenarios and calculate the volume needed to preserve gross profit.
Review methodologyService Rate & Quote Planner
Recover labour, overhead and non-billable capacity in an hourly rate or project quote.
Review methodologyBreak-even Sales Planner
Turn price, variable cost and fixed costs into a whole-unit break-even or target-profit threshold.
Review methodologyBillable Utilisation Planner
Allocate leave, admin, sales and internal time to test billable capacity and revenue scenarios.
Review methodologyEcommerce Order Profitability Planner
Test contribution after indirect tax, product, fulfilment, fees, advertising and expected returns.
Review methodologyMarket foundations
Choose a market when local context shapes the decision
Market foundations identify local terminology and only add policy-aware variants after their evidence and assumptions are reviewed.
Why use Margin101?
Understand the estimate, not just the final number
Margin101 makes business calculations easier to inspect, question and adapt to your operating assumptions.
Visible assumptions
Inputs, units and treatment choices remain visible so you can see what drives the estimate.
Explainable formulas
Methodology pages show the calculation path, inclusions, exclusions and interpretation limits.
Private by default
No sign-up is required, and commercial inputs stay in your browser instead of being sent to Margin101.
Margin101 tools are educational estimates, not personalised accounting, tax, legal or financial advice. Review each methodology before using a result for a business decision.