Client Profit Calculator

Free Client & Business Analyzer – Profitability, Payment Fees & Lifetime Value

Know exactly which clients make you money, how much payment processors take, and the true long-term value of every relationship. Built for agency owners, freelancers, and consultants who want clear numbers before deciding to keep, grow, or fire a client.

Client Profitability Analysis

Enter a client’s revenue, contract length, labour cost, direct expenses, and allocated overhead. Factor in payment delays, scope-creep risk, stress level, and referral potential. Instantly see:

• Net profit and net margin

• Effective hourly rate

• Risk-adjusted margin

• Clear A/B/C/D grade with keep / grow / watch / drop recommendation
A visual scorecard highlights margin health, payment risk, and relationship quality so you can act with confidence.

Payment Processing Fee Calculator

Model the real cost of getting paid. Input the payment amount, processor percentage + fixed fee, platform fees, currency conversion, and chargeback risk. The tool shows:

• Total fees taken

• Net amount received

• Annual impact across all payments

• Visual flow of gross → processor → platform → chargebacks → net
Stop underestimating the silent 3–8% that processors and platforms quietly remove from every invoice.

Client Lifetime Value (LTV)

Project the full value of a long-term relationship. Enter annual revenue, expected years, retention rate, growth rate, profit margin, discount rate, and acquisition cost. Get:

• Total lifetime revenue and profit

• Net present value (NPV)

• LTV:CAC ratio

• Year-by-year timeline of value
Sensitivity scenarios show what happens if retention drops, growth stalls, or the relationship ends early — so you know how much you can safely spend to win or retain similar clients.
Client Portfolio Overview

Add multiple clients with revenue, cost, and satisfaction scores. The portfolio view ranks every relationship by margin and grade, flags revenue concentration risk, and tells you how many clients to keep, grow, watch, or drop. Instantly see overall portfolio margin and whether one client dominates your revenue.
Why this matters

Revenue looks impressive until you subtract real delivery costs, payment fees, scope creep, and late payments. Many “good” clients destroy margin. This tool surfaces the truth in seconds so you can protect profitability and focus energy on the relationships that actually grow your business.
Features

• Multi-currency support (USD, EUR, GBP, CAD, AUD, INR)

• Live calculations as you type

• Copy summaries or export to PDF

• All data stays in your browser — nothing is sent anywhere

• Completely free, no signup
Perfect for marketing agencies, design studios, development shops, consultants, and freelancers who want data-driven decisions about every client.
Grade your clients. Measure the real cost of getting paid. Calculate true lifetime value. Build a healthier, more profitable book of business.