Small Business Overhead Calculator
Add up your fixed running costs, spread overhead across your billable hours and check it against your revenue. Quick results—100% in your browser.
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Your Monthly Expenses
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Overhead Items
Optional: Spread Your Overhead
Your billable hours per month to calculate cost per hour.
Your gross annual revenue to check the overhead ratio.
Your Results
Monthly overhead
$300.00
Annual overhead
$3600.00
Breakdown
This calculator provides estimation only. All results are for reference purposes only and do not constitute professional tax, financial, or legal advice. Please consult a qualified professional for official financial decisions.
Know Your Overhead Before You Price Your Work
Why Overhead Costs Are Easy to Miss
For freelancers and small business owners, overhead costs quietly accumulate in the background: software renewals, insurance premiums, marketing spend, accounting fees, office rent and utility bills. Because none of them is tied to a single client invoice, many contractors never add them up. The result is pricing that looks profitable on paper but leaves little after fixed costs are paid. This calculator makes your overhead visible and totals it in seconds.
What This Calculator Does
Add each recurring monthly cost as an expense item with a name and amount. The calculator sums them into your monthly and annual overhead instantly. If you also enter your monthly billable hours, it works out your cost per billable hour—the amount every hour you sell must cover before you profit. Enter your annual invoice revenue to see your overhead as a percentage of income and learn whether it sits in a commonly healthy range.
Who Should Use This Tool
This tool is ideal for solo freelancers, independent consultants, designers, developers and small teams that need a clear picture of their fixed operating costs. It is equally useful for side-business owners who want to confirm their monthly obligations and for established agencies tracking how overhead changes as they scale.
How to Use It Step by Step
Start with your most obvious recurring costs, then press Add expense to include smaller items such as domain renewals and backup storage. For every item enter an accurate monthly amount. Optionally enter your monthly billable hours to see overhead per hour, and your annual revenue to gauge the ratio. Watch every result update live as you type, then copy a snapshot for your planning notes.
Frequently Asked Questions
Answers to common questions about using this calculator.