Business Investment Calculator Australia 2026

Evaluate ROI, payback period & investment score for any business opportunity.

🏢 Business Information

Business / Project Name

Industry / Business Type

Scenario Name (optional)

💰 Investment Details

Total Initial Investment (AUD) — equipment, setup, licences

Expected Business Life (years)

📈 Revenue Projections

Expected Monthly Revenue (AUD)

Annual Revenue Growth Rate (%) — 0 for flat, 5–10% typical

💸 Monthly Cost Breakdown

Fixed Costs (AUD/month) — rent, salaries, insurance

Variable Costs (AUD/month) — materials, commissions

One-Time Setup Costs (AUD)

Total Monthly Operating Costs:

🏦 Financing & Opportunity Cost

Cost of Capital / Interest Rate (%) — what you could earn elsewhere

Personal Opportunity Cost (AUD/month) — your salary if working elsewhere

Estimated Tax Rate (%) — Australian company tax 25–30%

Investment Score

0.0

out of 10

ROI

0.0%

over 5 years

Payback Period

Never

to recover investment

Avg Monthly Profit

after all costs

Break-Even

Never

when cumulative profit = $0

📊 Financial Summary

Total Investment (incl. setup) $0

Monthly Revenue $0

Fixed Monthly Costs $0

Variable Monthly Costs $0

Opportunity Cost $0/mo

Total Profit (business life) $0

Net Profit After Tax $0

📉 Cumulative Profit Projection

Frequently Asked Questions

What is a good ROI for a business investment in Australia?

A good ROI depends on the risk level. Low-risk investments should return at least 8-12% annually to beat inflation and opportunity cost. Medium-risk businesses typically aim for 15-25%, while high-risk ventures should target 30%+ to justify the risk.

How do I calculate the payback period for a business?

Payback period is the time it takes for cumulative profits to equal your initial investment. If you invest $100,000 and net $2,500/month profit, your payback period is 40 months (3.3 years). Shorter is better — under 3 years is ideal.

What costs should I include in a business investment analysis?

Include all startup costs (equipment, fitout, licenses, legal fees, initial stock), ongoing monthly costs (rent, wages, utilities, insurance, marketing, loan repayments), and allow a contingency buffer of 10-20% for unexpected expenses.

Is business income taxed differently in Australia?

Sole traders pay tax at individual rates on business profits. Companies pay a flat 25% tax rate (base rate entities with turnover under $50 million). Consider the small business tax offset of up to $1,000 if operating as a sole trader.

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Last updated: April 2026

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How the Business Investment Calculator Works

This calculator evaluates a business opportunity using three core financial metrics: Return on Investment (ROI), Payback Period, and a composite Investment Score from 0–10.

ROI is calculated as total profit (revenue minus all costs over the business life) divided by the total initial investment. Revenue growth is compounded annually.

Payback Period is the month when cumulative profit (starting from the negative of your initial investment) first reaches zero.

Investment Score weighs three factors: how much your ROI exceeds your cost of capital (40%), how quickly the investment pays back (30%), and your risk-adjusted return (30%).

This calculator provides estimates only. Always consult a qualified financial adviser before making investment decisions. Australian company tax rate: 25% (base rate) or 30% (large companies).