The numbers behind a one-person AI business.
What running a small business on AI and SaaS tools costs, checked against the vendors' own pricing pages, with the calculators to model it. 65 calculators for pricing, runway, AI costs and unit economics, each with its method written out, so you can check the answer before you act on it.
Not sure which one you need? Start from your decision.
= $167,400 ÷ ($23,900 − $9,200)
11.4 months6.6 shorter than today
At 6% revenue growth a month, revenue reaches the new costs in 16.4 months.
What is AI Biz Hub?
A free, independent set of calculators for solo founders and bootstrappers building with AI. They model stack costs, runway, pricing, unit economics and ship-or-kill calls before you commit money, with the method and sources on every page. Nothing you enter leaves your browser, and there is nothing to sign up for. It has no connection to Konica Minolta's bizhub printers.
Start with what you need to decide
- Pricing & profitability calculators
Pressure-test price floors, margin targets, break-even volume, and channel economics before you touch packaging, discounting, or wholesale terms.
- Growth & marketing calculators
Check acquisition efficiency, customer value, retention drag, and experiment confidence before you scale spend or call a test a win.
- Operations & HR calculators
Model people cost, hiring structure, meeting drag, and business value before you lock in headcount, restructure work, or benchmark leverage.
- Cash flow & finance calculators
Track runway pressure, cash timing, project payback, and forecasted revenue before financing, hiring, or spending decisions tighten the window.
- Startup planning calculators
Build a first-pass startup model with break-even, runway, forecast, and unit-economics views so the plan survives contact with cash and acquisition reality.
Contents
All 65 calculators on one pagePlan the build 3
What the stack and the platform will cost
- AI Stack Cost Calculator Estimate your full AI app stack cost at different user scales — hosting, DB, auth, AI API, and services.
- Embeddings DB Cost Pinecone, Postgres+pgvector, LanceDB, or Turbopuffer — cheapest for your workload.
- Vibe Code Platform Comparison Compare Cursor, Bolt, Lovable, Replit, and v0 for your project type, complexity, and skill level.
Run the numbers 42
Pricing, margins, runway, acquisition and unit economics
- A/B Test Significance Calculator Check if your A/B test results are statistically significant and estimate sample size for reliable conclusions.
- Ad Spend / ROAS Calculator Calculate actual ROAS, break-even ROAS, profit after ad spend, target CPA, and required conversion rate for advertising campaigns.
- Agent Cost Per Validated Customer AI and infra spend per activated retained user, with gross margin at any subscription price.
- AI Feature Attribution ARR attributable to AI features, net of infra cost, with cohort gross margin and retention lift.
- AI Product Margin Calculator Calculate per-user margin for AI products from subscription price, API token costs, hosting, and per-user expenses.
- AI vs Human Support Cost Compare AI-first and human-only support cost with token spend and escalation overhead.
- Bootstrapped Runway Calculator Calculate personal runway and months to ramen/fully profitable from savings, side income, and MRR growth.
- Break-Even Units Calculator Find break-even units, revenue, and target-profit volume fast.
- Burn Multiple Calculator Are you burning faster than you're growing? Net monthly burn ÷ net new ARR — the cash-efficiency check.
- CAC Calculator Calculate customer acquisition cost, payback period, and LTV:CAC efficiency.
- CAC Payback Period Calculator How many months to recover your CAC from gross profit, with LTV:CAC ratio sanity-check.
- Cash Conversion Cycle Calculator Measure CCC and estimate working-capital lockup from DIO, DSO, and DPO assumptions.
- Churn & Retention Calculator Estimate recovered customers and revenue lift from retention improvements.
- Content Marketing Payback Calculator Estimate cumulative ROI, payback month, and 12/24/36-month returns for content marketing investment with break-even traffic volume.
- Cost Per Hire Calculator Calculate total recruiting cost per position from ads, agency fees, internal time, and onboarding.
- Customer Lifetime Value Calculator Calculate CLV, CLV:CAC ratio, and acquisition payback from purchase patterns.
- Email Marketing ROI Calculator Calculate projected revenue, ROI, cost per acquisition, and break-even conversion rate for email marketing campaigns.
- Employee Cost Calculator Calculate the true total cost of an employee beyond salary — taxes, benefits, and overhead.
- Free Trial to Paid Target Reverse-solve trial→paid conversion rate from revenue target, signups, and ARPU.
- Inventory Turnover Calculator Calculate how quickly your business sells and replaces stock with industry benchmarks.
- Landing Page Conversion Calculator Calculate landing-page revenue, ROI, and cost-per-conversion from traffic, conversion rate, and order value.
- Marketing Budget Allocator Allocate marketing budget across channels with ROAS estimates and blended-return projection.
- Micro-SaaS Pricing Engine Find your price floor, suggested price, and ceiling from per-user costs, competitor benchmarks, and target margin.
- Model Price Drop Stress Test Margin under 10/30/50% LLM price drops with both keep-savings and pass-through views.
- Monthly Burn Rate Calculator Calculate monthly burn rate from line items with category breakdown and runway estimate.
- MRR / ARR Growth Calculator Project bootstrapped MRR and ARR at 3, 6, and 12 months. See how many months until you hit a target you can live on.
- Net Promoter Score (NPS) Calculator Calculate NPS from promoter, passive, and detractor counts with benchmark context and action guidance.
- Price Elasticity Calculator Calculate price elasticity of demand and see whether a price change grows or shrinks revenue.
- Profit Margin / Markup / Discount Calculator Convert margin, markup, and discount with live formulas you can trust.
- Profit Margin Calculator Calculate gross margin and markup, or set prices from desired margin percentages.
- Revenue Per Employee Calculator Hire-or-don't sanity check. Revenue and profit per person — compare against staying solo.
- ROI + Payback Period Calculator See ROI, annualized return, and payback timing before you fund the project.
- Runway With AI Cost Shock Stress-test runway against an LLM vendor price hike with break-even revenue trajectory.
- SaaS Pricing Strategy Calculator Set monthly price floors from gross-margin and CAC payback constraints.
- Sales Forecast Calculator Forecast MRR and cumulative revenue from growth, conversion, and pipeline assumptions.
- Social Media ROI Calculator Spend → reach → engagement → conversion → ROI. See whether the channel is paying its way.
- Solo Founder Unit Economics Calculate LTV, CAC, payback, and break-even customers calibrated for bootstrapped scale with organic CAC.
- Startup Cost Estimator Estimate pre-launch costs by category with one-time and recurring breakdown for first-year budget.
- Startup Runway Calculator Calculate months of runway from cash, burn rate, and revenue growth assumptions.
- Team Salary Budget Calculator Plan a small first-team salary budget across roles before you commit to hiring.
- Unit Economics Calculator Evaluate LTV:CAC ratio, payback period, and per-customer viability.
- Wholesale Pricing Calculator Set wholesale price, retail price, and MOQ revenue from unit cost and overhead using cost-plus, keystone, or target-margin strategies.
Make the call 10
Decisions with a verdict: ship or kill, build or buy, raise or stay solo
- Build vs Buy Decision Engine Compare building infrastructure yourself versus buying managed services with per-component build/buy verdicts.
- Business Valuation Calculator Estimate business worth using revenue, SDE, and EBITDA multiples with blended range.
- Commute vs Remote Cost & Time Calculator Compare office, hybrid, and remote schedules in cash and time.
- Contractor vs Employee Calculator Compare the same role as W-2 or 1099 and find the true annual cost break-even point.
- LLM Vendor Lock-In Cost Engineering, downtime, and payback when migrating between LLM providers.
- Marketplace Listing ROI Net margin and break-even visitor count after a marketplace's listing fee and revenue share.
- One-Person SaaS Valuation Estimate what your solo SaaS is worth using indie/micro-SaaS multiples with key valuation factors.
- Pricing Model Picker Flat monthly, per-seat, usage-based, or hybrid? Compare projected revenue side-by-side.
- Ship-or-Kill Decision Score Get a brutally honest SHIP, ITERATE, or KILL verdict on your side project based on traction and market signal.
- VC vs Stay Solo — Dilution Calculator Take the cheque or stay bootstrapped? Model what each funding round leaves you with versus full ownership.
Freelance and consulting 10
Rates, tax and time for selling your hours
- Consulting Day Rate Calculator Calculate your consulting day rate from annual income target, working days, overhead, and tax.
- Freelance Rate + Capacity Planner Set confident rate floors from utilization, overhead, and income targets.
- Freelance Tax Estimator Estimate quarterly tax set-aside from freelance income, expenses, and deductions. Not tax advice.
- Hourly to Salary Converter Convert hourly and salary compensation with PTO and overtime adjustments.
- Invoice Late Fee & Interest Calculator Calculate late-payment penalties from grace days, fixed fees, and annual-interest terms.
- Meeting Cost Calculator What does that recurring meeting actually cost in salary time? Use it to defend deep work.
- Project Pricing Calculator Estimate project price from hours, complexity, risk buffer, and discount with effective rate check.
- Salary / Paycheck Calculator Estimate annual and paycheck outcomes with simplified tax assumptions.
- Scope Creep Cost Calculator Quantify the true cost of scope creep by comparing quoted vs actual hours to reveal your effective rate.
- Time Zone Overlap Planner Find fair async meeting windows across global contractors with rotation and DST warnings.
Worth reading
All articles- Pinecone Pricing 2026: Rates vs Qdrant (Official)
Pinecone pricing 2026: free Starter, $20/mo Builder, $50/mo Standard minimum, $16-18/M reads, $0.33/GB-month, vs Qdrant's free 1 GB RAM cluster.
8-minute read, 5 sources
- How to Value a Business 2026: Methods, Multiples & Examples
Value a business with revenue, SDE, and EBITDA multiples plus real 2025-2026 benchmarks. Two worked examples land at $414,977 and $798,600 blended.
11-minute read, 10 sources
- Bootstrapped Software Valuation Multiples
Bootstrapped software valuation: Damodaran's software EV/EBITDA by year (28.43x in January 2024, 24.48x in 2026) and the private multiples it sells at.
9-minute read, 6 sources
- How to Price a Product
Price a product by matching the model to your cost structure and willingness-to-pay evidence: cost-plus floor, competitive ceiling, value aim.
8-minute read, 4 sources
- Startup Runway: How Much You Need and How to Plan It
Startup runway is cash divided by monthly net burn. How much runway a startup should have, worked growth and burn-cut scenarios, and when to start raising.
8-minute read, 4 sources
- How to Run an A/B Test: Sample Size, Duration, Results
How to run an A/B test: one hypothesis and metric, sample size fixed before launch (24,198 per arm for a 3% to 3.45% lift), a full week and no peeking.
9-minute read, 5 sources
Reference tables
All tablesGrids computed by the calculators on every build, to look up or cite.
- SaaS viability grid: LTV:CAC ratio and CAC payback by price and churn
From the Unit Economics Calculator
- Freelance rates by role: the 2026 BLS-verified US table
From the Freelance Rate + Capacity Planner
- 2026 AI vendor pricing and TCO report
From the AI Stack Cost Calculator
How it is made
Every calculator states its formula and where its default figures come from, and every article cites primary sources with the date they were checked. There are no cookies and no sponsors. Read the editorial standards, the corrections log and the privacy policy.