📊 P&L
Profit & Loss
Calculator
Build a clean P&L statement in 60 seconds. Understand your gross profit, operating profit, and net margins at a glance.
📦 Cost of Goods Sold (COGS)
📌 Operating Expenses (SG&A)
Net Profit (After Tax)
$0
Net margin: 0%
Gross Profit
$0
Revenue minus COGS
Gross Margin
0%
% of revenue after COGS
Operating Profit (EBIT)
$0
Before interest & tax
Net Profit Margin
0%
Bottom line %
Full P&L Statement
Total Revenue—
Cost of Goods Sold—
Gross Profit—
Total Operating Expenses—
Operating Profit (EBIT)—
Interest + Depreciation—
Tax Provision—
Net Profit—
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Frequently Asked Questions
What is a good profit margin for a small business? ▾
It varies widely by industry. Gross margin benchmarks: Software/SaaS 70-80%, Services 50-70%, Retail 25-50%, Restaurants 60-70% (but net margins are 3-9%), Manufacturing 20-40%. Net profit margin benchmarks: most healthy small businesses target 10-20% net. Under 5% is tight and leaves little buffer. Under 0% means you're losing money. Compare your margins to industry averages — below-average margins signal a pricing or cost structure problem.
What's the difference between gross profit and net profit? ▾
Gross profit = Revenue minus Cost of Goods Sold (direct costs of production or delivery). It tells you how efficiently you produce what you sell. Net profit = What's left after all expenses including overhead, interest, and taxes. A business can have a great gross margin but terrible net profit if overhead is too high. Investors and lenders look at both — gross margin shows product economics, net margin shows overall business efficiency.
What is EBITDA and why do people use it? ▾
EBITDA (Earnings Before Interest, Taxes, Depreciation, and Amortization) strips out financing decisions, tax strategies, and accounting conventions to show core operating profitability. It's widely used for business valuation (business value is often quoted as a multiple of EBITDA — commonly 3-6x for small businesses) and for comparing companies with different capital structures. It's not a GAAP metric and shouldn't replace net profit analysis.