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Break-even and margin calculator

Repo-linked (EBLR): your rate rises by the same 0.25% at the next reset date, unless your lender holds back some of it. Resets happen at least once every three months, so expect the change within about three months of 7 October.
MCLR-linked: your lender's own cost of funds drives the rate and it resets on its own date, often every six or twelve months. The effect arrives later and may be smaller. Our guide to [[blog:eblr-vs-mclr-home-loan|EBLR and MCLR]] explains the difference.
Fixed rate: nothing changes until the fixed period ends.

See how many sales cover your fixed costs, and what each sale really earns.

Simple model: one product, steady costs. Does not include tax.

Common questions

What are fixed and variable costs?

Fixed costs stay the same each month, like rent. Variable costs rise with each sale, like materials.

How can I lower my break-even?

Raise the price, cut unit costs or reduce fixed costs.