Business Purchase Calculator

Buying a laundromat, salon or store? Estimate the cash left after costs and loans. Replace the example amounts with your own figures.

Business price, income and everyday costs

Enter monthly figures unless a field says otherwise. Count each cost once. Put sales-related expenses in the percentage field; exclude those expenses from fixed-cost boxes.

Business purchase price, excluding building ($)Business loan amount ($)Business loan interest per year (%)Business loan term (years)Monthly sales, excluding sales tax collected ($)Costs that rise with sales (% of sales)Monthly rent ($; enter 0 if buying the building)Monthly employee wages and employer payroll taxes ($)Monthly owner / manager pay and related payroll costs ($)Monthly water, gas, electricity and internet ($)

More expenses and upfront cash

Include costs even when you pay them yourself. Owner pay is compensation for working, separate from the investment return. Reserve contributions are separate from routine maintenance.

Business insurance per month ($)Licenses, fees and other business taxes per month ($)Routine equipment maintenance per month ($)Other fixed monthly business costs ($)Monthly equipment replacement / major repair reserve ($)Business closing and transfer costs, including taxes ($)Immediate equipment upgrades ($)Starting working cash and reserves ($)

The purchase includes the building

What these results mean

Cash-on-cash return is annual cash left after reserves and loan payments divided by your total upfront cash, including starting reserves. It excludes resale proceeds, appreciation and income tax effects. Business earnings deduct the owner / manager pay entered above.

Break-even sales assume the entered sales-related cost percentage stays constant and fixed costs stay unchanged. This estimates cash needed to cover modeled expenses, reserves and loans; it is not an accounting profit threshold.

This planner assumes fixed-rate, fully amortizing monthly loans. It does not calculate a business valuation, seller discretionary earnings, depreciation, income taxes, balloon financing or changing working-capital needs. Verify sales, expenses, equipment condition and lease terms. An owned building's operating costs are shown separately; this does not independently value the real estate.

Business Purchase Calculator

Business price, income and everyday costs

Building costs — separate from the business