Overhead Cost Calculator UK
Calculate your business running costs. Know your daily overhead burn rate and how many billable days you need to break even.
Your Business Costs
🚗 Vehicle Costs
🏢 Premises (if applicable)
📋 Insurance & Professional
💻 Software & Communication
260 days - holidays (28) - sick days (5) ≈ 227 days
Your Overhead Costs
Annual Overhead
£14300
£1192/month
Overhead Burn Rate
This is the minimum your pricing must cover BEFORE wages/profit
Standard Overhead
Typical for solo trades
Verdict
⚠️ STANDARD OVERHEAD — WATCH PRICING
£14300/year = £65/day overhead. Typical for UK trades but requires consistent work.
At £300/day rate, you need 48 billable days/year to break even. Add margin for quiet periods.
Monthly Breakdown
📊 Rule of Thumb
Healthy businesses keep overhead below 30% of revenue. If you're doing £100k/year revenue, aim for <£30k overhead.
🚗 Van vs Car
Vans have higher running costs but better tax benefits. 100% of van costs are deductible. Cars limited to business-use percentage.
💡 Review Annually
Every subscription, insurance policy, software fee adds up. Review annually and cut anything not generating revenue.
💼 Turn Overhead Maths into a Plan
Use this calculator to understand your overhead, then build a simple rhythm for watching costs vs revenue each month.
Know your monthly nut
List fixed costs so you know what you must cover every month.
Check break-even
Compare overhead to expected revenue so you can set realistic targets.
Watch the trend
Review overhead as a % of revenue so it doesn't quietly creep up.