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Invoice Profit Calculator
What an invoice actually earns after costs, fees, tax and the time it took to get paid.
Quick Tool Overview
The Invoice Profit Calculator shows what an invoice actually earns after direct costs, the payment fee charged on the gross, the discount given and the cost of waiting to be paid — reporting margin and markup separately, because they are not the same number.
- What it does
- Works out the real profit on an invoice
- You give it
- The value, the costs, the fee and the days to payment
- You get back
- Margin, markup, break-even discount and target price
- Best for
- Knowing whether a job was worth doing
About the Invoice Profit Calculator
The number on an invoice is revenue, not profit, and the gap between them is usually wider than people assume. Take off the direct costs. Take off the payment processing fee, which on a card payment is around 1.5 to 3% of the whole invoice including the tax you are only collecting. Take off the discount you gave. Take off the cost of the money being tied up for the sixty days it took to arrive.
This works all of that out and reports both margin and markup, which people confuse constantly: a job costing £100 sold for £150 is a 50% markup and a 33% margin. Pricing on markup and reporting on margin is how a business talks itself into thinking it is more profitable than it is.
It also shows the break-even discount — how much you could give away before the job stops making money — and the price you would need to hold a target margin, which is the more useful direction to work in.
Key features of the Invoice Profit Calculator
Margin and markup apart
£100 cost sold at £150 is a 50% markup and a 33% margin.
Fee on the gross
Card fees are charged on the tax you are only collecting.
Cost of late payment
Sixty days of tied-up cash has a price, invoiced or not.
Break-even discount
How much you could give away before the job stops earning.
Target-margin price
Cost divided by one minus the margin — the direction that works.
How to use the Invoice Profit Calculator
-
1
Enter the invoice value
Excluding tax — tax is not revenue, it is money you are collecting.
-
2
Add the direct costs
Materials, subcontractors, licences, and the hours at your own cost rate.
-
3
Add the payment fee
Card and platform fees are charged on the gross, including the tax.
-
4
Add the days to payment
Money tied up for sixty days has a cost, even if nobody invoices you for it.
-
5
Read margin and markup
And the price you would need for a target margin.
Frequently asked questions
Markup is profit as a percentage of cost; margin is profit as a percentage of price. A job costing £100 sold for £150 is a 50% markup and a 33% margin. Confusing them consistently overstates profitability.
No. Tax you charge is collected on behalf of the authority, not revenue. But payment processing fees are charged on the gross including tax, so the fee is bigger than the tax-exclusive figure implies.
Divide the cost by one minus the margin. For a 40% margin on a £600 cost, £600 ÷ 0.6 = £1,000. Adding 40% to the cost gives £840, which is a 40% markup and only a 29% margin.
Yes. Whatever it costs you to fund the gap — an overdraft rate, an invoice finance fee, or the return you would have had on the cash — applies for every day the money is outstanding. On thin margins it is the difference between a profitable job and a break-even one.
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