T
Hndy Tools

Indie Hacker Profit Calculator

See your real take-home profit after all SaaS expenses — and whether you can quit your job.

SaaS
Business
Finance

Your SaaS Finances

— REVENUE —

— PAYMENT PROCESSING —

— INFRASTRUCTURE —

— TOOLS & SERVICES —

— TAXES —

About This Tool

The real cost of running a SaaS goes far beyond hosting. Stripe fees, tool subscriptions, APIs, contractors, and taxes all eat into your MRR. This calculator helps indie hackers see their true take-home profit — and whether it's enough to go full-time.

Once you know your profit, optimize your pricing with the SaaS Pricing Calculator, model growth with the MRR Growth Simulator, or determine your personal runway with the Monthly Survival Budget Calculator.

All calculations happen in your browser — no data is sent to any server.

How It Works

Stripe Cost = MRR × (Processing Fee % / 100) + Per-Transaction Fee
Total Expenses = Stripe + Hosting + (Domain Yearly / 12) + Email + AI + Other SaaS + Contractors
Pre-Tax Profit = MRR − Total Expenses
Net Profit = Pre-Tax Profit × (1 − Tax Rate / 100)
Profit Margin = Net Profit / MRR × 100

All calculations are monthly. Domain costs are annual and divided by 12. Tax is only applied when pre-tax profit is positive. The "quit your job" indicator uses $60,000/yr as the full-time threshold and $30,000/yr as the strong-side-hustle threshold — adjust based on your personal situation.

Frequently Asked Questions (FAQ)

What Stripe fee should I use if I use multiple payment processors?
Use a weighted average. Stripe's standard rate is 2.9% + $0.30 in the US, but international cards or alternative processors may differ. If you process payments across multiple providers, estimate the blended rate that reflects your actual transaction mix.
Should I include my own salary in the expenses?
This calculator is designed to show what the business generates before paying you. Your take-home is the Net Profit. If you want to model a target founder salary, add it to the contractor or other expenses field, or use our SaaS Pricing Calculator to back into the MRR you need.
What tax rate should I use?
This depends on your country and business structure. In the US, self-employment tax plus income tax can be 25–40%. In many European countries, corporate tax rates range from 15–25%. Consult an accountant, but 25% is a reasonable starting default for a blended rate.
Is $60,000 annual net profit really enough to quit a job?
It depends on your personal situation and cost of living. $60,000 is a common baseline for a modest full-time living in many regions. Use our Monthly Survival Budget Calculator to determine your personal minimum. The key insight: if your SaaS is still growing, your net profit may be higher by the time you actually make the leap.

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