Find how many invoices, jobs, products, or sales you need to cover your costs. Include fixed costs, cost per sale, and payment processing fees for a realistic target.
With $3,000 monthly fixed costs, a $250 average invoice, $50 cost per job, and a 2.9% card fee, each job contributes $192.75. The business needs 16 paid jobs, or $4,000 in billed revenue, to cover those costs.
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Break-even units = fixed costs ÷ contribution margin per sale. Contribution margin is selling price minus variable costs and payment fees. Round up because a fraction of a job or invoice cannot cover the remaining cost.
Use the same time period for fixed costs and projected sales, and normally exclude sales tax collected for a tax authority from revenue.
The break-even point is where total revenue equals total fixed and variable costs. At that point the business has neither a profit nor a loss.
Break-even units equal fixed costs divided by contribution margin per unit. Contribution margin is selling price minus variable cost and transaction fees per sale.
Fixed costs do not change directly with each sale: rent, base software subscriptions, insurance, salaries, and recurring professional fees are common examples.
Usually no. Sales tax collected for a tax authority is normally a pass-through amount rather than business revenue.
If variable costs and fees equal or exceed the selling price, every additional sale loses money. Increase the price or reduce per-sale costs.
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General information only; reviewed August 2026.