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Multi Income Stream Calculator
A total tells you what you sold. Split it by part of the business and see which work was actually worth doing.
Multi Income Stream Calculator
Profit split for a business with more than one income stream
A total tells you what you sold. See which stream actually earns once its own costs and a share of your overheads are against it.
How do I do this with my real records?
This calculator splits a figure you type in. The same arithmetic runs continuously inside PlatformTaxHub, against your real records — every kind of income against the costs it caused, your overheads shared across them, and platform fees charged only to the income that actually came through a platform.
See how it works for business ownersWhy One Profit Figure Hides the Answer
Good Work Subsidises Bad Work Silently
Total revenue minus total costs gives you one number for the whole business. It is the number most owners have, and it is the one number that cannot answer the question that matters: which part is carrying the rest. When you only look at the total, the work that earns well quietly covers the work that does not, and nothing in your accounts points it out.
Unshared Overheads Flatter Everything
Profit before overheads is usually generous, because most businesses carry more overhead than they think. Rent, insurance, software and your own time have to land somewhere. Until they are shared across the parts of the business, every part looks like it is paying its way.
A Worked Example
A consultancy turning over $140,000 across three parts, with $48,000 of costs that belong to particular parts and $45,000 of overheads shared between them by revenue share.
| Part of the business | Revenue | Its own costs | Before overheads | Overhead share | Profit |
|---|---|---|---|---|---|
| Consulting | $80,000 | $10,000 | $70,000 | $25,714 | $44,286 |
| Workshops | $20,000 | $6,000 | $14,000 | $6,429 | $7,571 |
| Online shop | $40,000 | $32,000 | $8,000 | $12,857 | −$4,857 |
The shop looks fine until the last column. It covers its own stock and fees and returns $8,000, so on direct costs alone it contributes. Once it carries a proportionate share of the rent, the insurance and the software, it loses $4,857 a year. It is the second-largest part of the business by revenue and the only one not paying its way — and the single figure for the whole business, $47,000 of profit, says nothing about it.
Why This Calculator Exists
Most business owners can produce a total. Far fewer can say which service, product or channel actually earned once the costs it caused and its share of the overheads are against it.
The usual advice is to ask your accountant to break revenue out by service line, or to set up classes and tracking categories in your accounting software. Both work. Both mean a software upgrade, a configuration project, and usually a bookkeeper.
This does the same split in about two minutes, from figures you already know, with no account and nothing to install. It is deliberately simple: a few parts, their own costs, and one overhead figure. That is enough to find the part of the business that is not paying its way.
What the Calculator Does
- Profit per part, twice. On direct costs alone, and again once overheads are shared across the parts by revenue share.
- Margin per part, so a part turning over $200,000 and a part turning over $8,000 can be compared.
- The part that flips. Where something covers its own direct costs and then goes negative once overheads land on it, the calculator names it.
- Platform income marked separately, because a fee taken out of a payout belongs to that part of the business and nowhere else.
- Any of 50+ currencies, and no account to create.
How It Works
List the parts
Name each service, product, channel or client group the business earns from, and put in the revenue for each.
Add their own costs
The costs that only exist because of that part — stock, a subcontractor, the platform fee on those sales.
Enter your overheads
Rent, insurance, software, your own time. Shared across the parts by revenue share to give profit after overheads.
How to act on the result
- Find the part that flips. If something covers its direct costs and then loses money once overheads are against it, that part needs a price rise, a cost cut, or a decision to keep it deliberately.
- Compare margins, not revenue. The biggest part of the business by turnover is often not the one keeping the most.
- Check the platform side separately. If a part arrives through a marketplace or a payment app, its fee is a real cost of that part — enter what you sold, not what reached the bank.
- Run it monthly. Quarterly means you can be three months into work that is losing money before you notice.
Frequently Asked Questions
Take each part separately. Put its revenue next to the costs that only exist because of it, which gives you profit before overheads. Then share your overheads across the parts — rent, insurance, software, your own time — in proportion to the revenue each one brings in. What is left is that part’s profit. A single figure for the whole business cannot tell you this, because the work that earns well is quietly covering the work that does not.
A direct cost would disappear if you stopped that part of the business tomorrow: the stock for the products you sell, the platform or processor fee on those particular sales, a subcontractor on that job. An overhead carries on regardless: rent, insurance, accounting fees, most software. If you are unsure, treat it as an overhead — it gets shared out anyway, so the answer stays honest either way.
By revenue share is the simplest method that stands up: a part bringing in 40% of the revenue carries 40% of the overheads. It is not the only way — some businesses split by staff time or floor space — but revenue share needs no extra record-keeping and it is hard to argue with. What matters more than the method is that you do it at all, because unshared overheads make every part of the business look more profitable than it is.
Because the payout is what is left after the platform has settled up with itself. Its fee comes off first, refunds issued that week are netted against the same payout, advertising is deducted before the money moves, and tax collected is held back. So enter what you actually sold, not what reached your bank, and put the fee in that part’s direct costs — where it belongs and where it is deductible.
Divide that part’s profit by its revenue. A service bringing in $20,000 that leaves $3,000 after its own costs and its share of the overheads runs at a 15% margin. The calculator shows this for each part you enter, which is what makes two parts comparable even when one is ten times the size of the other.
Monthly suits most businesses. Reviewing quarterly means you can be three months into work that is losing money before anyone notices, and reviewing once a year at the accounts means the answer arrives when it is too late to act on it.
This is a free tool provided by PlatformTaxHub.