Margin Calculator
Find in seconds the price you must charge to hit your target margin, plus break-even, EBITDA and an industry benchmark.
- Free
- Runs in your browser
- Finland 2026 VAT rates
Calculator
Tweak the inputs — results update instantly. All numbers stay in your browser.
- Myyntikate / kpl—
- Toteutunut kate-%—
- Liikevaihto (ALV 0 %)—
- Liikevaihto (sis. ALV)—
- Muuttuvat kulut yhteensä—
- Myyntikate yhteensä—
- Kiinteät kulut / kk—
- Käyttökate / kk—
- Käyttökate-%—
Kustannusrakenne / kpl
What is margin accounting?
Pricing without margin math is a guess. Too low eats your profitability, too high scares customers away. The calculator gives clean numbers to support decisions:
Gross margin
Selling price (ex VAT) minus variable costs — what stays in your pocket per unit before fixed costs.
Margin %
Margin divided by selling price × 100. The comparable yardstick across products and industries.
EBITDA
Total gross margin minus fixed costs. Your monthly operating result before depreciation, interest and tax.
Break-even
Units needed for gross margin to cover fixed costs — the profitability threshold.
How to use the tool
- Enter variable costs per unit. Purchase price, working hours, packaging, card fees. For service work include your own loaded labour cost.
- Pick a target margin. Drag the slider to see the price move. Retail typically 20–30 %, services 40–70 %, SaaS over 70 %.
- Choose the VAT rate. Finland 2026: 25.5 % general, 14 % and 10 % reduced (rate change from previous year), 0 % e.g. intra-EU sales.
- Set volume and fixed costs. Per month. The tool computes revenue, total gross margin and EBITDA — and how many units take you to break-even.
- Benchmark against your industry. Pick an industry from the dropdown to see the typical margin band. Falling below the lower bound means pricing or cost structure needs review.
Worked example: a café croissant
Raw materials €0.80, labour €0.40, packaging + card fee €0.15 → variable cost €1.35/unit. Target margin 65 %.
Typical margins by industry
| Industry | Typical gross margin | Note |
|---|---|---|
| Restaurant | 35–55 % | Food 60–70 %, drinks 75–85 %, but waste and labour bite hard. |
| IT consulting | 40–70 % | Lower with subcontracting, higher on your own work. |
| E-commerce (physical goods) | 20–40 % | Logistics, returns and marketing eat margin. |
| SaaS / digital products | 60–85 % | Scalable — production marginal cost near zero. |
| Retail | 15–30 % | Volume business, rent and shrinkage weigh on margin. |
| Construction | 25–45 % | Material and labour consumption varies per project. |
| Hair salon / beauty | 50–75 % | High service margin, balance fixed costs carefully. |
| Manufacturing | 30–50 % | Lower in long runs, higher on niche/custom. |
| Marketing & comms agency | 55–80 % | Expert work, billable rate is the lever. |
Frequently asked
How does margin differ from markup?
Margin is computed from the selling price: (price − cost) ÷ price × 100. Markup is computed from the cost: (price − cost) ÷ cost × 100. A 50 % margin equals a 100 % markup. This tool always uses margin on selling price — the Finnish convention.
Does VAT belong in the gross margin?
No. Gross margin is always computed from the price ex VAT, because VAT is a pass-through item remitted to the state. The customer-facing price (incl. VAT) is larger, but the VAT slice is not company income.
Gross margin vs. EBITDA — what is the difference?
Gross margin covers only variable costs. EBITDA additionally absorbs fixed costs — rent, insurance, salaries, software. EBITDA reveals whether operations generate cash for investment, interest and dividends.
Why does break-even matter?
Break-even reveals the monthly sales threshold below which you lose money. If the threshold is 1 800 units and you sell 1 200, you lose money every month — no matter how high the margin per unit. Price, costs or volume must change.
Is anything sent to a server?
No. All math runs in the browser. Nothing leaves your device unless you explicitly export CSV or copy the results.
Free tool. Calculations run entirely in your browser — no data is sent to any server.