Restaurant Loan Calculator — Repayment & Break-Even
Work out your restaurant loan's monthly repayment and your break-even point in seconds. Enter your loan amount, interest rate and fixed costs, and see instantly how much revenue and how many guests you need to break even. Everything runs right in your browser — no install, no account.
How does the loan calculator work?
- 1
Enter your loan details
Enter the loan amount, annual interest rate and term in years. The tool instantly calculates your monthly repayment.
- 2
Enter your fixed costs and margin
Add your fixed monthly costs (rent, wages, insurance, …), your variable cost percentage and the average spend per guest.
- 3
See your break-even point
See instantly how much revenue and how many guests per day you need to break even. Print or save the result as a PDF.
Built for restaurant owners
Opening a new place
Estimate upfront how much an investment loan will cost your restaurant each month, and how much revenue you'll need to break even.
Renovation or expansion
Work out how a new loan will affect your fixed costs and your break-even point before you sign.
Bank or investor meeting
Show your repayment, break-even revenue and daily guest count in one clear overview.
Frequently asked questions
Is this loan calculator free?
Yes, completely free with no account or install needed. Enter your numbers and the result appears instantly in your browser.
How is the monthly repayment calculated?
The tool uses the standard amortizing-loan (annuity) formula based on your loan amount, annual interest rate and term, so you repay the same amount every month.
What is a break-even point, and how is it calculated?
The break-even point is the revenue at which your fixed costs (including your loan repayment) are exactly covered by your margin. The tool calculates this automatically from your variable cost percentage and average spend per guest.
Is this financial advice?
No. The calculation is indicative and meant to give you a quick estimate. Always consult your bank or accountant for a final financing plan.
Can I use the tool without an account?
Yes, everything works without an account or login: enter your numbers, view the results, and print or save as a PDF.
Does the calculator work for any type of restaurant business?
Yes. Whether you run a restaurant, café, food truck or hotel, enter your own loan details and costs for a tailored result.