Small Business Loan Break-Even Time Calculator
Considering a loan to grow your business? This calculator shows how many months of added monthly profit it will take to fully offset your loan payment, helping you decide if the investment pays off fast enough.
About this calculator
Calculate how many months it will take for a business loan's monthly payment to be covered by expected new revenue or profit.
Frequently Asked Questions
What counts as 'added monthly profit'?
This is the net additional profit you expect the loan-funded investment (equipment, hires, marketing, etc.) to generate each month, after expenses.
Does this include interest in the break-even calculation?
The break-even figure compares added profit to the loan principal; the monthly payment breakdown separately shows the true cost including interest so you can judge overall profitability.
What if my added profit is $0?
The calculator will show a break-even time of 0, since there's no way to recover the loan cost from this investment alone — reconsider the investment or provide a realistic profit estimate.