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Calculator · Fixed costs ÷ margin

Break-even and Runway Calculator

Enter your fixed costs, your price and the cost of each sale. You get the sales you need each month to cover costs, your margin of safety, and how long your cash lasts.

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Your costs
₦

Rent, salaries, power, subscriptions: what you pay whether or not you sell. An example is filled in.

₦
₦

For a service, think of one engagement or one hour. For mixed products, use an average sale.

Where you are today
sales
₦

If you are below break-even, we work out how many months this lasts.

What if

Price is the lever most owners never pull. See what it does to break-even.

Scenarios

Save up to three scenarios and compare them side by side.

Saved on this device only.

Your break-even

Per month

Send

Sales needed each month to cover costs

0sales

Break-even revenue
₦0a month
Margin on each sale
₦040% of price
Profit at your current sales
₦0a month
Margin of safety
33%

Where you are against break-even

Break-even
600
Your sales
900

Sales could fall 33% before you stop covering costs.

What if the price moved up 10%?

At ₦5,500 a sale, break-even moves to 480 sales and your margin of safety becomes 47%.

Each sale

  • Cost per sale₦3,000
  • Margin₦2,000

How we worked it out

Every sale contributes ₦2,000 towards fixed costs once its own cost of ₦3,000 is paid. Fixed costs of ₦1,200,000 a month divided by that margin gives 600 sales, or ₦3,000,000 of revenue, before the first naira of profit.

Next step

Want a forecast you can take to a bank or investor?

Our finance advisory team builds budgets, forecasts and cash plans, and our business advisory team turns them into a plan.

Talk to finance advisory Business Plan Builder
Assumptions and limits (4)
  • One product, or an average sale, with a constant price and cost per sale.
  • Fixed costs stay the same whatever you sell in the month.
  • The price what-if assumes you keep the same number of sales at the new price.
  • Runway uses this month's loss as the burn rate and ignores receivables, payables and seasonality.

An estimate for general information, not professional advice. Nothing you type is stored or sent anywhere. Rates last checked 13 October 2026.

Why break-even matters

Break-even is the point where sales cover costs. Below it every month costs you money; above it every extra sale is profit. Knowing the number tells you how much room you have, which price changes are safe, and when a slow month becomes a crisis.

Margin of safety

The gap between your current sales and break-even, as a share of sales. A 30% margin of safety means sales can fall by nearly a third before you stop covering costs. Lenders and investors read this number closely.

From an estimate to a forecast

Real businesses have more than one product, seasonal sales and costs that step up as they grow. Our finance advisory team builds budgets, forecasts and cash plans on your actual numbers, and our business advisory team turns them into a plan a bank will read.

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