Calculators · business math

Know your numbers before you knock on a door

Seven calculators for pricing, offers, goals and growth. Each one opens with example numbers already filled in, so change them to match your own hustle and the answers update as you type.

These are learning tools, not financial advice. The answers are only as good as the numbers you put in.

01 · Offer Builder

Make an offer people feel silly saying no to

Based on Alex Hormozi's value equation from $100M Offers. You raise value by making the result bigger and more believable, and by cutting the waiting and the hassle.

Value = (Dream outcome × Perceived likelihood) ÷ (Time delay × Effort & sacrifice)

Example: dog walking

What you sell

The result the customer really wantsWrite the outcome, not the task.

Price

Bonus you could add

Guarantee you could offer

How big is the dream outcome?6

How sure are they it will work?5

Reviews, photos, a guarantee and looking professional push this up.

How long until they see the result?4

1 means instantly, 10 means months.

How much effort for them?3

1 means they do nothing, 10 means lots of hassle.

Add-ons Guarantee (raises likelihood) Bonus (raises dream outcome) Honest limit on spots (only if it's true) Easy payment (weekly, cancel any time)

Value score0

Your offer

Paste it into a flyer, a text message or a bio.

02 · Price my service

Charge enough to make it worth your Saturday

Most teens undercharge. Start from what your time is worth, add every cost, then check you're in the normal range for your area.

Example: washing a car

Compare with a typical range

What you want to earn per hour (£)

Hours per job

Materials per job (£)Shampoo, bags, fuel for a mower, printing.

Travel cost per job (£)

Travel time per job (minutes)

Platform or card fee (%)Cash or bank transfer is usually 0%. Card readers take about 1.5 to 3%.

Charge per job–

You keep–

Real hourly rate–

Typical range–

03 · Goal planner

Turn "I want money" into a number of jobs

A goal with a date becomes a weekly target. A weekly target tells you how many doors, messages or posts you need this week.

Example: saving for a laptop

What it's for

Target (£)

Already saved (£)

By this date

Profit per job (£)Use "You keep" from the price calculator above.

How many people you ask for every 1 who says yesDoor-to-door and flyers are often around 1 in 10 at first.

Progress0%

Weeks left0

Jobs per week0

People to ask per week0

Still to earn–

Week	Starts	Jobs	Earned that week	Running total

04 · Break-even for products

How many candles before you're actually making money?

If you make things, you spend money first on kit and supplies. Break-even is the number of sales that pays all of that back. Every sale after it is profit.

Example: soy candles

Start-up costs (£)One-off things: a melting pot, molds, a label printer.

Cost to make one (£)Wax, wick, jar, scent, label and packaging.

Selling price (£)

How many you think you can sell

Break-even0

Profit per sale–

Margin0%

Profit at your estimate–

Money in (sales)Money out (costs)

05 · Subscription vs one-off

Why "every month" beats "just once"

A one-off job pays once. A monthly customer pays again without you finding them again. Even if some cancel, the total keeps climbing. That monthly total is called recurring revenue.

Example: trash can cleaning

New customers you sign up each month

Monthly price per customer (£)

Customers who cancel each month10%

One-off price for the same job (£)What you'd charge someone who only wants it done once.

Monthly income by month 12–

Customers by month 120

12-month total, subscription–

12-month total, one-off only–

Subscription income that monthOne-off income that month

06 · Reselling profit

Was that flip worth it?

Buying low and selling high only works once fees, shipping and your time are counted. Fees change often, so check the platform's current fee page before you list.

Example: a thrift-store jacket

You paid (£)

It sold for (£)

Cleaning or repair (£)

Seller fee (% of sale)Some UK apps charge the buyer instead of the seller. Others take around 10 to 13%.

Fixed fee per sale (£)

Shipping you pay (£)

Your time: hunt, clean, photo, list, post (minutes)

Profit–

Return on money0%

Per hour of work–

Lowest price to break even–

07 · Compound growth

Your biggest advantage is being young

Invested money earns returns, and then those returns earn returns too. The longer it runs, the faster it grows. Starting at 15 instead of 25 can matter more than how much you put in.

Example: £50 a month from age 16

Invest each month (£)

Starting age

Average yearly return6%

Global stock index funds have averaged more than this over long periods, but some years they fall hard. 4 to 7% after inflation is a cautious guess.

Keep investing until age

Value at 65–

You paid in–

Growth from returns–

Start 10 years later–

Money you put inGrowth from returns

Assumes the same amount every month and a steady return, compounded monthly. Real markets go up and down, and returns are not guaranteed. See the Money page for how investing works.