📒 Profit & Loss (P&L) Calculator
A P&L (profit and loss statement) is just this: money in, minus what it cost to deliver, minus what it costs to exist. Banks want it, lenders want it, and you should want it monthly. Here is the 30-second version.
Net profit per month
$2,500
Gross profit
$8,500
Gross margin
70.8%
Net margin
20.8%
Net profit per year
$30,000
You keep $2,500 a month (21 percent net margin), which is $30,000 a year. A healthy small business nets 10 to 20 percent; you are in the zone.
Estimates for planning, not financial advice. Your real numbers will vary; that is exactly why you track them.
Good questions about this math
What goes in cost of delivering (COGS)?
Only costs that rise and fall with sales: materials, shipping, payment fees, contractors who do the client work. If you would still pay it with zero sales (rent, software), it is overhead, not COGS.
Should my own pay be in payroll?
Yes. A business that only profits because the owner works free is not profitable yet. Pay yourself even a small fixed amount and make the P&L tell the truth.
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