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eCommerce Profit Calculator

The eCommerce profit calculator shows what you actually earn on a product sold online. Enter the purchase cost, selling price and units sold, then add packaging, delivery, your payment provider's fees, discounts, marketing, returns and VAT. It gives gross and net profit, margins, markup, the break-even price and units, and compares up to three scenarios. It runs entirely in your browser.

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eCommerce Profit Calculator

Every amount below is in this currency, for the same period (for example one month).

Scenarios

Compare up to three "what if" versions: a new price, free delivery, a discount. Adding a scenario copies the one you are editing.

Product and sales

One product, or an average product across your store.

What you pay your supplier per unit, including import and transport to you.

Your normal price before any discount.

For example, units you expect to sell in a month.

Per-order costs (packaging, delivery, fixed payment fees) are shared by the units in an order. Default 1.

Discount
Discount as

Leave at 0 if you sell at the full price.

Packaging and delivery
Who pays for delivery?

Boxes, bags, labels and inserts.

What the courier or rider charges you.

The delivery fee per order the customer pays you.

Payment processing

Use your own provider's current rate: it is on the provider's pricing page, in your merchant agreement or in your dashboard. Paystack, for example, publishes its rates in its help centre (Transactions pricing). Nothing is filled in for you.

The percentage your provider takes from each payment.

Leave at 0 if your provider has none.

Cash on delivery and direct bank transfers usually have no provider fee. Default 100.

Marketing
Enter marketing as

Advertising, influencer and promotion spend.

Returns

The share of orders returned and refunded.

Return delivery and handling you pay.

VAT and levies

Enter the combined rate you charge. The Ghana Revenue Authority's VAT page lists VAT at 15% plus the NHIL (2.5%) and GETFund levy (2.5%), charged on the same value, from 1 January 2026. Leave this off if you are not registered for VAT.

My selling price

The combined rate you charge.

Fixed costs

Platform subscription, hosting, rent, salaries and other costs that do not change with sales.

Enter the purchase cost, selling price and units sold to see your profit.

Everything is calculated in your browser. Nothing you enter is sent to our server or stored.

How to use the eCommerce Profit Calculator

  1. 1 Choose your currency, then enter the purchase cost, selling price and units you expect to sell in a period.
  2. 2 Add packaging, delivery, your payment provider's fees, any discount, marketing, returns and VAT if you charge it.
  3. 3 Read the results: revenue, gross and net profit, margins, markup and break-even figures.
  4. 4 Add up to two more scenarios (for example free delivery or a 10% discount) to compare them side by side.
  5. 5 Download the comparison as a CSV file or print it as a PDF.

What it does

  • Gross profit, gross margin, net profit per unit and in total, net margin and markup
  • Break-even selling price and break-even units for the fixed costs you enter
  • Delivery paid by you, charged to the customer, or paid to the courier directly
  • Payment fees as a percentage plus a fixed fee, with a share of cash or bank-transfer orders
  • Returns, discounts (percentage or amount) and VAT included in or added to the price
  • Up to three side-by-side scenarios in any currency, with CSV export and print

Useful for people starting an online shop, sellers on Instagram, TikTok and WhatsApp and store owners setting prices or planning a promotion.

Limitations

  • The results are estimates from the figures you enter. They are not accounting or tax advice.
  • It models one product (or an average product) at a time. For a whole store, use average figures or run one scenario per product line.
  • VAT is applied to the product price only, and VAT you may reclaim on purchases is not modelled: enter costs without reclaimable VAT.
  • No payment provider's fees are filled in. Rates change and differ by plan, so enter the rate from your own provider.

What the calculator works out

All amounts are for one period, such as a month, and exclude any VAT you collect.

  • Revenue is the product price customers keep paying after discounts and refunds, plus any delivery fees you charge.
  • Cost of goods is what you paid for the units customers keep. If returned items cannot be sold again, it includes those too.
  • Gross profit is revenue minus the cost of goods. Gross margin is gross profit divided by revenue.
  • Net profit is gross profit minus packaging, the delivery you pay, payment fees, marketing, returns handling and fixed costs. Net margin is net profit divided by revenue.
  • Markup is the price after discount (without VAT) minus the purchase cost, divided by the purchase cost.
  • Break-even units is the fixed costs (plus marketing, if you entered it as a total) divided by the profit each unit contributes, rounded up.
  • Break-even price is the selling price, before discount, at which net profit is exactly zero for the units you entered.

Payment fees are worked out on everything the customer pays through the provider, including delivery fees and any VAT added on top.

A worked example

You buy a product for 50 and sell it for 100. You expect to sell 100 units in a month with a 10% discount. You pay 2 per order for packaging and 15 for delivery (free to the customer). Your provider charges 2% per payment. You spend 5 per order on adverts, 5% of orders come back (each return costs 10 to handle, and the item goes back into stock), and your fixed costs are 500.

Step Calculation Result
Price after discount 100 − 10% 90
Revenue 95 kept units × 90 8,550
Cost of goods 95 units × 50 4,750
Gross profit (margin) 8,550 − 4,750 3,800 (44.4%)
Variable costs packaging 200 + delivery 1,500 + fees 180 + marketing 500 + returns 50 2,430
Net profit (margin) 3,800 − 2,430 − 500 870 (10.2%)
Markup (90 − 50) ÷ 50 80%
Break-even units 500 ÷ 13.70 per unit 37
Break-even price the price at which net profit is 0 about 89.61

A 44% gross margin shrinks to about 10% once delivery, fees and returns are counted. That gap is why the net figure matters when you set prices.

Use scenarios to test decisions

Add a scenario to copy your figures, then change one thing, such as charging for delivery, cutting the discount or raising the price, and compare the net profit and break-even price side by side. If you are still choosing where to sell, the eCommerce platform comparison lists each platform’s cost model so you can enter its subscription as a fixed cost. The online store readiness checker helps you prepare for launch.

VAT and payment fees in Ghana

If you are registered for VAT, tick the VAT option and enter the combined rate you charge. Then choose whether your prices already include it. The Ghana Revenue Authority’s VAT page lists VAT at 15% plus the NHIL (2.5%) and GETFund levy (2.5%), all charged on the same value, from 1 January 2026. Payment providers publish their own rates, for example in Paystack’s help centre. Use the rate from your own agreement, because it can depend on the payment channel and your plan.

When your numbers work, we can help you build the store and market it.

Frequently asked questions

How do I calculate the profit margin on a product?

Take the revenue from the product (after discounts and refunds, without VAT), subtract its costs, and divide by the revenue. Gross margin subtracts only the cost of the goods; net margin also subtracts packaging, delivery, payment fees, marketing, returns and fixed costs.

What is the difference between markup and margin?

Markup compares profit with the cost; margin compares profit with the selling price. A product bought for 50 and sold for 100 has a 100% markup but a 50% gross margin.

What is a break-even price?

It is the lowest selling price at which your sales cover every cost you entered, including fixed costs, for the number of units you expect to sell. Below it you make a loss.

Is the VAT I charge part of my revenue?

No. If you are registered for VAT, the VAT and levies you collect are paid over to the Ghana Revenue Authority, so the calculator leaves them out of revenue and profit. GRA's VAT page lists VAT at 15% plus the NHIL and GETFund levy at 2.5% each, from 1 January 2026.

Where do I find my payment provider's fees?

On the provider's pricing page, in your merchant agreement or in your dashboard. Fees are usually a percentage of each payment and sometimes a fixed amount per transaction; enter both in the calculator.

Does free delivery hurt my profit?

It moves the delivery cost from the customer to you. Add a second scenario with the customer paying a delivery fee and compare the net profit and break-even price of both.

Sources

Phoot Technologies

Planning an online store that makes money?

We design and build eCommerce websites with product catalogues, carts, delivery options and secure payments including Mobile Money, and run the marketing that brings customers to them.

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