Tool 02

Price calculator.

Turn what it costs you to serve one user into the lowest price you should charge — then a simple SaaS three-tier menu. Not a checkout. A napkin before you publish prices.

Cost

What it costs you per user per month (hosting, APIs, support). Expense side.

Margin

Share of the sell price you want left after cost. Many SaaS aim for ~70–80% gross margin.

Sell-price floor

Minimum price to charge. With fees: (cost + fixed fee) ÷ (1 − margin − fee%). Without fees: cost ÷ (1 − margin).

SaaS tiers

Free = limited seats/API. Pro = full product for one founder. Business = teams + higher limits (anchor).

Break down expenses Cost to serve one user / month

Your direct cost per user. Use the breakdown above for hosting + API lines.

Target margin (%)

0% = sell at cost. 80% is a common SaaS gross-margin target.

Payment processor fees

Fees cut into margin. Turn this on so the floor isn’t falsely low.

Competitor low price / month Competitor high price / month

Leave at 0 if you don’t know — we won’t invent a fake market.

Currency Include a free tier Show charm list price

Keeps the exact floor, plus a rounded publish price ($15, $19, $29…).

Show annual prepay

Numbers stay in your browser. The share link only stores these inputs in the URL.

How to use this

Enter cost (or break expenses into lines).
Set the margin you want (many SaaS aim for 70–80%).
Optionally add payment fees so the floor isn’t optimistic.
Read the sell-price floor, then use Free / Pro / Business as a starting menu.

Cost vs floor — what’s the difference?

Cost is what you spend. Floor is the lowest price you should charge so that cost (and fees, if on) still fits your margin. Example: cost $2.50, margin 80% → floor $12.50. With Stripe-like fees, the true floor rises (often into the mid-teens).

Why include payment fees?

Processors take a cut before money hits your account. Selling at the “simple” floor often yields less margin than you think. Example: $12.50 with 2.9% + $0.30 can land closer to ~75% net than 80%.

How should I read Free / Pro / Business?

Free — limited seats or API calls (acquisition). Pro — full product for one founder (house plan). Business — team seats and higher limits (anchor so Pro feels fair).

Exact floor vs list price?

The exact floor is the math minimum. The optional list price rounds that up to a normal SaaS price ($19, $29…). Never publish below the exact floor just to hit a round number.

How does annual prepay work?

With annual on, each paid plan also shows a prepaid yearly total at your discount (default 20% off 12× monthly), plus the effective monthly rate. Useful for “pay yearly, save” on landing pages.

Do you store my numbers?

No. Math runs in your browser. Sharing the URL puts the inputs in the query string.