Part of your small business planner
What will you actually make?
A real 3-year revenue and profit projection — built bottom-up from your numbers, broken down the way a bookkeeper would: revenue, cost of goods, every operating expense itemized, and taxes shown line by line with the rate. Nothing on screen is a black box.
How you make money
Everything you bill or sell, before any costs.
units/month × price × 12 (with ramp + seasonality)
$89,100$124,200$139,104The direct cost of what you sold — materials, direct labor, fulfillment, card fees. If you wouldn't pay it without the sale, it's COGS.
revenue × 35%
-$31,185-$43,470-$48,686What's left to run the business after the direct cost of sales.
revenue − COGS
Y1 65% margin$57,915$80,730$90,418The bills to keep the doors open whether or not you make a sale (itemized below).
sum of the operating-expense lines
-$27,240-$28,057-$28,899Operating earnings before depreciation, interest and tax — the cash-earning power lenders judge.
gross profit − operating expenses
$30,675$52,673$61,519The yearly write-down of equipment, vehicles or buildout you bought up front.
your D&A estimate
$0$0$0Profit from running the business, before financing and tax.
EBITDA − D&A
$30,675$52,673$61,519Interest you pay on loans or credit.
your interest estimate
$0$0$0Profit before tax — the base the tax is calculated on.
operating income − interest
$30,675$52,673$61,519The government's share (shown line-by-line with the rate below).
see the tax breakdown
-$5,788-$11,358-$13,55212.4% Social Security up to the wage base + 2.9% Medicare, on 92.35% of profit
−$4,334−$7,442−$8,692your effective bracket; the rate rises as profit grows
−$1,454−$3,916−$4,860What's left after tax — for a sole proprietor this IS your take-home income.
pre-tax profit − taxes
Y1 27.9% margin$24,887$41,315$47,967A sole-proprietor draw isn't a business expense — it comes out of net profit. This is what you can pay yourself.
= net profit after tax
$24,887$41,315$47,967- Your intended draw ($48,000/yr) is more than year-1 after-tax profit ($24,887) — you'd be drawing down savings.
- Revenue rises into year 2 more than your 15% growth assumption alone — the extra is your year-1 build-up (year 1 is shown ramping up to full capacity) reaching full run-rate, not market growth.
An accrual profit projection — “did you earn a profit?”. It does not show month-to-month cash timing; the cash-flow forecaster does. Estimates grounded in industry and tax benchmarks for your answers, not financial advice — verify with the IRS and your accountant.
Questions, answered
How is the revenue projected?
Bottom-up, not a guess. You enter the drivers — jobs or units per month and your price, or for a subscription your customers, churn and revenue-per-customer — and the calculator builds monthly revenue with a first-year ramp and your own year-2 and year-3 growth, then rolls it up to annual figures.
What is in the profit-and-loss breakdown?
The standard income-statement order a lender reads: revenue, minus cost of goods sold to gross profit, minus itemized operating expenses to EBITDA, minus depreciation and interest to pre-tax profit, minus taxes to net profit. Every line shows its definition and the formula behind it.
How is the tax line calculated?
Explicitly, with the rate shown. A US sole proprietor sees self-employment tax (15.3% on 92.35% of profit) plus federal and state income tax at the bracket. A Canadian sole proprietor sees CPP (11.9%) plus federal and provincial income tax. An incorporated owner sees the corporate rate (or, for a US S-corp, pass-through). The owner's pay is handled correctly by entity: a sole-proprietor draw is not a business expense, while a corporation's salary is.
Is this the same as the cash-flow forecaster?
No — they answer different questions. This projection shows whether the business earns a profit (accrual). The cash-flow forecaster shows whether the bank account survives month to month (timing). Build the projection here, then pressure-test the timing in the forecaster with one click.