Business Budget Calculator
Plan and track your business income, expenses, and profitability with comprehensive budget analysis
Operating Income
Primary sources of business revenue from core operations
Non-Operating Income
Additional income sources not from core business operations
One-time Startup Costs
Initial investment needed to start your business
Employee Compensation
Monthly salary and benefit expenses
Monthly Operating Expenses
Recurring business expenses paid monthly
Budget Summary
Budget Health
Excellent
20%+ profit margin
Very healthy business
Good
10-20% profit margin
Stable operations
Moderate
5-10% profit margin
Room for improvement
Loss
Negative profit
Needs immediate attention
Budget Tips
Track expenses regularly to identify cost-saving opportunities
Aim for 15-20% profit margin for healthy growth
Review and update your budget monthly
Keep 3-6 months of expenses as emergency fund
Separate fixed and variable costs for better planning
Understanding Business Budget Components
Income Categories
Operating Income
Revenue from core business activities - sales, services, and primary operations that directly relate to your business model.
Non-Operating Income
Secondary income sources like interest, grants, donations, or other revenue not from core operations.
Key Formulas
Budget Balance = Total Income - Total Expenses
Profit Margin = (Budget Balance ÷ Total Income) × 100
Payback Period = Initial Investment ÷ Monthly Profit
Expense Categories
One-time Costs
Initial startup investments needed before operations begin - equipment, furniture, initial marketing, and inventory.
Salary Expenses
All employee-related costs including base salaries, benefits, commissions, and payroll taxes.
Operating Expenses
Recurring monthly costs to keep the business running - rent, utilities, insurance, marketing, and supplies.
Budget Planning
- •Plan for seasonal variations in income and expenses
- •Include contingency funds for unexpected costs
- •Review and adjust budget quarterly based on actual performance