Industry Pricing
Choose your business type and start with cost lines that make sense for your industry. Add, rename or remove anything.
Free Everyday Business Tools
Price Better. Protect Your Profit. Quote Customers Faster.
Choose your type of business and use one free toolkit to price products, jobs and services using cost lines that fit your industry. You can also check margins, markup, break-even, discounts, loan repayments, working capital and investment payback, then turn the final price into a professional customer quotation.
No login required. Your business profile, quotation history, saved customers, saved products/services and daily-profit history stay on your own device.
Built for repeat useUse it whenever a customer asks for a price, discount or quotation.
Industry-awareSuggested cost lines change for retail, manufacturing, construction, consulting and other business types.
Works on phoneUseful when you are with a customer, supplier or at a job site.
Free to useStart calculating immediately without creating an account.
One toolkit, many daily decisions
Stop Opening Different Spreadsheets for Simple Business Questions.
Price a Product
Add purchase cost, transport, overhead and your target profit to see a suggested selling price.
Price a Job / Service
Combine materials, labour, transport, subcontractors, overhead and commission before you quote.
Profit Margin & Markup
See both numbers together so you do not confuse markup with actual margin.
Break-even
See how many units you need to sell before fixed costs are fully covered.
Discount Check
Know what a requested discount does to price, profit and margin before agreeing.
Quotation Workspace
Create, save, reopen, duplicate and track customer quotations. Add your logo, a clear quotation subject, customer details, reusable products/services and professional terms.
Daily Profit Checker
Save today's simple sales, costs and estimated profit on your device.
Investment Payback
Estimate how long a business purchase may take to recover its cost.
Loan Repayment
Estimate monthly repayments, total repayments and interest on a standard loan.
Working Capital
Check short-term liquidity using current assets, liabilities and quick ratio.
Built for different business models
The Same Profit Formula, Different Cost Drivers.
A restaurant should not price like a consultant, and a contractor should not price like an importer. The toolkit changes the suggested cost build-up based on the business type you choose.
Retail / TradingManufacturingConstruction / ContractingProfessional Services / ConsultingTransport / LogisticsFood / Restaurant / CateringAgricultureEducation / TrainingHealthcareBeauty / Personal CareHospitalityReal EstateE-commerceImport / DistributionOther / Custom Business
From calculation to customer quotation
Price the Work Once. Reuse What You Already Know.
Astute Business Money Toolkit
What do you want to work out today?
Choose your business type once, then use calculators that speak the language of your industry. Results update instantly and your recent work stays on this device.
Your business type
What best describes the business you are pricing for?
We will use this to suggest the most relevant cost items. You can change it any time.
Retail / Trading We will help you include purchase cost, freight, handling, wastage and overhead.
Industry-aware pricing
Build a price using the costs that matter in your business.
We suggest common cost lines for your industry. Add, rename or remove lines so the calculation matches the real job, product or service.
Your cost build-up
Enter only the costs that apply. Leave the rest blank.
Product pricing
What should I charge for this product?
Add what one unit really costs you. Then choose the profit target you want.
Job / service pricing
What should I charge for this job?
Add the costs you expect to incur. The tool will show your break-even price and a suggested selling price.
Profit margin
Am I really making enough on this sale?
Enter what you charge and what it costs you to provide the product or service.
Markup
How much have I added on top of cost?
Markup and margin are not the same. This tool shows both so you can compare them.
Break-even
How much must I sell before I stop losing money?
Use monthly figures if you want a monthly break-even point.
Discount check
What happens to my profit if I give this discount?
This is useful before you agree to a customer's discount request.
Quotation workspace
Create a customer quotation that looks ready to send.
Save your business identity, customers, products/services and past quotations on this device. The PDF uses a premium corporate layout and supports multi-page quotations.
Quotes saved0
Total quotedGHS 0.00
Accepted valueGHS 0.00
Acceptance rate0%
Your business
No logo
Customer
Items
Use a clear description the customer will understand.
Daily profit checker
How did the business do today?
Save today's figures on this device and compare recent days.
Investment payback
How long will this purchase take to pay for itself?
Use the extra cash the investment is expected to generate each month.
Loan repayment
What might this loan cost each month?
This assumes a standard reducing-balance loan with equal monthly payments. Actual lender fees may differ.
Working capital
Can the business comfortably cover its short-term obligations?
Use your current assets and current liabilities from the latest available figures.
A simple example
Why Margin Matters When You Give a Discount.
If a product costs you GHS 800 and you sell it for GHS 1,000, your profit is GHS 200. That is a 20% margin on the selling price, even though the markup on cost is 25%.
If a customer then asks for a 10% discount, the selling price becomes GHS 900 and the profit falls to GHS 100. The discount was only 10%, but your profit was cut in half.
The toolkit lets you test this before you commit to the customer.
Use it as a management aid
Fast Calculations Are Helpful. Good Business Decisions Still Need Context.
The toolkit uses the numbers you enter. It cannot know whether a cost has been omitted, whether a tax applies, whether a customer will pay on time or whether a loan has hidden charges.
Use it to make everyday calculations faster, then apply the judgement and records appropriate to your business.