Section 19

Calculators

कैलकुलेटर

Six quick calculators for the numbers every new business needs. Change any figure and the result updates at once.

calculators: 6
states and UTs in the GST check: 36
sign-ups needed: 0

An estimate for planning — not financial or legal advice.

Break-even

How many units must you sell each month before you start making a profit?

Fixed costs per month (rent, salaries, EMI, electricity minimum)₹Selling price per unit₹Variable cost per unit (raw material, packing, commission)₹

Break-even units per month: 3,334
Break-even sales per month: ₹1,66,667
Contribution per unit: ₹18

Loan EMI

Monthly instalment on a term loan, and the total interest you pay.

Loan amount₹Interest rate (% a year)%Tenure (months)

Monthly EMI: ₹10,871
Total interest: ₹1,52,273
Total repaid: ₹6,52,273

Working capital

Money stuck in stock and in credit you give, minus credit you get.

Monthly cost of goods sold (raw material + production cost)₹Days of stock you keep (raw material + finished goods)Days of credit you give customersDays of credit suppliers give you

Working capital needed: ₹4,50,000
Cash cycle: 45 days

Banks usually finance part of this as a cash credit (CC) limit and ask you to bring the rest as margin.

Do I need GST registration?

Based on your yearly turnover, what you sell and where.

Expected turnover in a year (all businesses on one PAN)₹

You mainly supply

State

I sell goods to buyers in other states I sell goods through Amazon, Flipkart, Meesho or similar

Not required yet (you may still register voluntarily)

Threshold for you: ₹40,00,000 a year.

Thresholds: CBIC, “GST – An Update” (1 May 2019). Lower limits in some states; the ₹40 lakh goods limit does not cover ice cream, pan masala or tobacco. Confirm on gst.gov.in.

PMEGP subsidy estimate

Margin money subsidy under PMEGP, using the scheme rates on our PMEGP page.

Project cost₹

Sector

Location

Which business structure?

Answer four questions to see which legal form usually fits.

Will you start alone or with partners?

Do you want your personal property protected if the business owes money?

Will you raise money from investors in the next 2–3 years?

Expected turnover in the first years

Usually a good fitSole proprietorship

Cheapest and simplest: register Udyam, GST if needed, and a current account. You are personally liable for all business debts.

Compare all structures Our registration service