Break-Even Calculator

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See your exact take-home pay after federal taxes, Social Security, and Medicare — updated for 2026 tax brackets.

2026 tax brackets Federal + FICA Free & no signup

Calculate exactly how many units you need to sell — or how much revenue you need to earn — before your business, product, or investment starts making a profit. Includes business, freelance, and investment break-even modes.

What are you calculating?

Business / Product
Freelance / Service
Investment
Rent, salaries, insurance, software, etc.
Materials, packaging, shipping, etc.
Optional — see your current profit/loss
Rent, utilities, subscriptions, insurance
Include federal + self-employment (~30–35%)
Realistic billable hours, not total work hours
Optional — see if your rate covers costs
What you paid (stocks, real estate, etc.)
Brokerage fees, closing costs, etc.
HOA, property tax, maintenance (if applicable)
Rent, dividends, etc. (0 if growth-only)
Optional — see if you have broken even yet

Break-even analysis

MetricValue

Profit / loss scenarios

Revenue vs. costs chart

Break-even calculations are estimates based on the inputs provided. Real-world results vary based on market conditions, seasonality, and other factors. This tool is for educational and planning purposes only.