Break-Even Calculator — Dinesh Balakrishnan

Your numbers

Currency

Joining cost, one off Starter kit, registration, first mandatory order — everything you pay to begin.

Monthly minimum purchase What you must buy each month to stay qualified for commission. If nothing is required, put 0.

Other monthly costs Samples, events, travel, tools, shipping you absorb.

New customers per month People who buy and aren't in your team. Be honest — use the number you've actually managed, not the number you were promised.

Average customer spends per month

What you keep, as a % of their spend Your commission or retail margin after the company's cut. Check the plan document, not the presentation.

Customers who stop buying, per month The number nobody mentions. 15–25% a month is normal for consumable products.

Team commission per month Optional. Only fill this in if you've seen it in writing, for someone at your stage. Leave it at 0 if you haven't.

Hours per week you'll give it Include the team calls, the training, the messages at 11pm.

Your break-even point

Month 17

Deepest cash at risk

—

before the tide turns

Real hourly rate, month 12

—

after every cost

Real hourly rate, month 24

—

after every cost

Customers to cover costs

—

active buyers, with no team income

Your cash position, month by month

36 months · below the line = out of pocket

See the month-by-month table

Month	Active customers	You earn	You spend	Net	Cumulative

Why team income starts at zero

Customer income is something you control. Team income depends on other people's effort and usually arrives later and smaller than the presentation suggests. So this starts from what you can actually do, and lets you add team commission only if you've seen the figure in writing.

Churn is the number that decides everything

Customers don't accumulate forever. At 20% monthly churn, three new customers a month settles at about fifteen active — not thirty-six after a year. Change that one field and watch the break-even date move further than any other input.

This is not a verdict on your company

Good plans produce good numbers here. If yours breaks even in month four, that's a real answer and you should feel encouraged. The point is to know the date before you commit, not after.

Want the rest of the kit?

Five more tools: the income disclosure decoder, the comp plan decoder, the 12 questions to ask before you sign, the 30-customer playbook, and the exit rule worksheet. Free as each one is finished.

Send me the kit