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EconKit

EconKit Blog

Long-form guides on the math behind every calculator.

Plain-English explanations of pricing, profit margins, freelance economics, and SaaS unit economics — each post tied to a tested calculator so you can run the numbers on your own inputs.

30 guides published New posts most weeks
Pricing

How to Price Freelance Projects Without Leaving Money on the Table

A practical framework for converting your hourly rate into fixed-fee project pricing. Includes complexity multipliers, risk buffers, and a worked example.

8 min read
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Pricing

Freelance Pricing in 2026: How to Set Rates That Actually Sustain Your Business

A freelance pricing framework that accounts for overhead, taxes, unbillable time, and profit margin. Not just hourly rates — project pricing, retainers, and value-based models.

8 min read
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E-commerce

Hidden Amazon Seller Costs That Most Profit Calculators Miss

Beyond referral fees and FBA fees, Amazon sellers face at least eight additional cost lines. Here is every one, what it costs, and how to model it.

10 min read
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Growth Metrics

Break-Even Analysis for Startups in 2026: When Burn Becomes Profit

Most startups calculate break-even once in a pitch deck and never revisit it. Here is how to model it properly, the benchmarks by industry, and the three levers that move it.

8 min read
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Profitability

Cash Flow for Small Businesses in 2026: Why Profitable Companies Run Out of Money

Profit is an accounting concept. Cash is what pays the bills. The timing gap between the two kills more small businesses than bad margins do. Here is how to model it and the benchmarks that matter.

8 min read
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Employment

Contractor vs Employee in 2026: The Real Cost Comparison Most Businesses Get Wrong

A $50/hour contractor looks more expensive than a $95,000 salary. It is usually cheaper. Here is the full cost comparison and the breakpoints where each option wins.

5 min read
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E-commerce

Dropshipping Profit Margins in 2026: The Real Numbers After Every Cost

Dropshipping margins look great on paper — no inventory, no warehouse. The five hidden cost lines between gross margin and real profit tell a different story. Here are the benchmarks and the math.

5 min read
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E-commerce

eBay Seller Fees in 2026: Every Cost Between Sale Price and Profit

eBay charges four distinct fee layers on every sale. Most sellers track one or two. Here is the full fee stack, category-specific rates, and how to model real per-item profit.

5 min read
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EconKit

Freelance Taxes in 2026: The Self-Employment Tax Stack Most Freelancers Undercount

Freelancers owe more tax than employees on the same income. The 15.3% self-employment tax is the biggest line, but not the only one. Here is the full tax stack and deduction strategies.

9 min read
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Growth Metrics

How to Calculate ROI in 2026: The Formula, the Pitfalls, and What Good Looks Like

ROI is the most-used and most-abused metric in business. The formula is simple. The inputs are where teams go wrong. Here is how to calculate it honestly, with benchmarks by investment type.

7 min read
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Pricing

How to Price a Product in 2026: Three Strategies and the Math Behind Each

Cost-plus, competitive, and value-based — three pricing strategies that give different prices for the same product. Here is when each one applies, the formulas, and 2026 benchmarks by category.

5 min read
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EconKit

How to Value a Small Business in 2026: Three Methods and When Each One Applies

Business valuation is not one formula — it is three frameworks that give different answers. Here are the methods, the multipliers by industry, and a worked example through each.

8 min read
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Employment

The True Cost of Hiring an Employee in 2026: Beyond the Salary Number

An employee who earns $70,000 costs the business $91,000-$105,000. The gap comes from seven cost lines that sit outside the offer letter. Here is the full stack and the benchmarks by role type.

7 min read
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E-commerce

How to Calculate Amazon FBA Profit: A Step-by-Step Breakdown

Walk through each fee line that sits between your Amazon selling price and your actual profit. Worked example with real numbers and a free calculator.

8 min read
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E-commerce

Amazon FBA Fees in 2026: The Full Cost Stack Most Sellers Undercount

Amazon takes six separate cuts from every FBA sale. Most sellers track three. Here is the full fee stack, what each one costs, and how to model real profit.

8 min read
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Pricing

Markup vs Margin: The One Pricing Mistake That Costs Businesses Thousands

Markup and margin use the same two numbers but measure different things. Confusing them misprices your product. Here is the difference, the conversion math, and 2026 benchmarks.

6 min read
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E-commerce

Amazon Seller Profit Margins by Category: 2026 Benchmarks

Realistic net profit margins for Amazon sellers across 12 product categories. Data-backed benchmarks to evaluate whether your margins are healthy or at risk.

9 min read
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Growth Metrics

Vibe a Business (4/4): The Only Metrics That Matter After You Ship

You launched. People are paying. Now what? The seven numbers every solo SaaS founder needs to track, what healthy looks like, and when to worry.

10 min read
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E-commerce

FBA vs FBM: Which Amazon Fulfillment Method Is More Profitable in 2026?

Side-by-side cost breakdown of FBA vs FBM fulfillment. Compare fees, shipping costs, and real profit margins to choose the right model for your Amazon business.

9 min read
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Growth Metrics

Burn Rate vs Runway: How to Read the Room

Runway is the wrong number to optimize. Default Alive, burn multiple, and the three levers that move runway more than cutting costs.

7 min read
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Growth Metrics

CAC vs LTV: The Only SaaS Ratio That Matters (and the Four Ways It Lies)

The 3:1 ratio everyone quotes, the four structural traps that catch teams who have already cleared the basics, and the payback-period sanity check you should run alongside it.

7 min read
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E-commerce

Shopify Profit Margins in 2026: Four Costs Beyond the Dashboard Number

The four costs that live outside Shopify's headline number — variable COGS, payment processing, shipping loss, and ad spend — and how each one compounds into your real 2026 margin.

9 min read
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Growth Metrics

What Is a Healthy SaaS Profit Margin in 2026?

The three margins SaaS founders should track, the Rule of 40 sanity check, and what "healthy" actually looks like at seed, Series A, and scale.

7 min read
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Freelancing

Freelance vs Full-Time: When the Math Actually Works

Most freelance-vs-employee comparisons compare the wrong numbers. The honest math, the hidden costs on both sides, and the hourly rate you need to actually break even with an $85K salary.

6 min read
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Freelancing

How to Set Your Freelance Rate in 2026: A Data-Backed Guide

The math, the benchmarks, and the four traps that quietly destroy freelance margins. With country-specific tax tables and a worked example anchored to real 2025 freelancer data.

6 min read
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Freelancing

How to Raise Your Freelance Rate Without Losing Clients

The retention math most freelancers never compute. Why a 25% rate hike still leaves you ahead even if 1 in 5 clients walks, plus a 60-day notice template and the five client tiers.

6 min read
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EconKit

Welcome to the EconKit blog

What this blog is for, how it connects to the calculators, and what you can expect to find here.

3 min read
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Pricing

Vibe a Business (3/4): Pricing AI-Powered Products When Every User Costs You Money

Fixed monthly pricing with variable AI costs is a recipe for losing money on your best customers. Here are four pricing models that actually work for AI products, with worked examples.

11 min read
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Growth Metrics

Vibe a Business (2/4): The Token Tax — Why Every AI Feature Costs More Than You Think

Traditional SaaS has near-zero marginal cost per user. AI-powered SaaS does not. Here is what the token tax looks like, how it erodes margins at scale, and how to model it.

9 min read
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Pricing

Vibe a Business (1/4): The Economics AI Coding Tools Won't Teach You

Vibe coding made building easy. Business is still hard. A framework for solo builders who can now ship in a weekend but need to know if the math works before they start.

8 min read
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