Required MRR
Enter your target take-home and find the MRR you actually need to hit it. Or see what you take home from a given MRR.
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United Kingdom🇺🇸
United States🇨🇦
Canada🇩🇪
Germany🇫🇷
France🇮🇳
India🇦🇺
Australia🇳🇱
Netherlands🇵🇱
Poland🇵🇹
Portugal
$
10 paying customers
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USD
%
Stripe Fees US$451
Standard (2.9%)
US$448
Transaction fees (USD 0.3/txn)
US$2.32
VAT (Value Added Tax) US$0
VAT collected at 0% Revenue exceeds £0 threshold. Prices assumed VAT-inclusive.
US$0
Business Expenses (Monthly) US$325
Accounting Software
US$25
Coworking Space
US$300
Simplest structure. All business income is personal income. Subject to federal income tax + self-employment tax + state income tax. No separate business entity or filing.
Taxes & National Insurance US$4,688
Federal Income Tax Standard deduction of $15,750 (increased by the One Big Beautiful Bill, retroactive to 2025). Brackets are for single filers.
US$2,614
Self-Employment Tax Combined Social Security (12.4%) + Medicare (2.9%) on 92.35% of net earnings. SS wage base $176,100. Additional Medicare 0.9% over $200,000. Effective rates: 15.3% x 0.9235 = 14.13% (SS+Med), 2.9% x 0.9235 = 2.68% (Med only), (2.9%+0.9%) x 0.9235 = 3.51% (Med+additional).
US$2,074
Optimization:
Consider a Merchant of Record for VAT
Your revenue exceeds the VAT threshold. A Merchant of Record like Paddle handles VAT collection and remittance, simplifying compliance.
Fees 3% Expenses 2% Tax 30% Take-Home 65%
Required MRR US$15,464 /mo
Net Take-Home US$10,000 /mo US$120,001 /yr