Break-Even and Margin of Safety Report for Owners
Show how close the business is to loss.
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Write a break-even report for the owner. Fixed costs per month: [FIXED_COSTS]. Average sale and variable cost: [SALE_AND_VARIABLE_COST]. Actual sales for the last six months: [SALES_HISTORY]. Calculate and show the arithmetic for two of the months: - Contribution margin ratio = (average sale - variable cost) / average sale. - Break-even sales = fixed costs / contribution margin ratio. - Margin of safety for each month = (actual sales - break-even sales) / actual sales. Output format: 1. A six-row table: Month | Sales | Break-even | Margin of safety % | Status (safe above 20 percent, thin 0 to 20, loss below 0; tell me if you change these bands). 2. A plain-language paragraph of at most 80 words in this style: "In March we needed 14,200 in sales to cover costs and made 17,600, so sales could fall 19 percent before we make a loss." 3. Months below break-even, with likely causes only if I supplied them. 4. Three actions (raise price, cut fixed cost, raise contribution), each with its effect on break-even sales worked out. 5. One closing sentence stating whether the business is getting safer or riskier, with the trend figure behind it. Keep every conclusion tentative: it should rest only on the inputs I have given and nothing else. It is planning support only, and not accounting, tax, legal or investment advice. Do not act on this until an accountant or financial adviser experienced in [JURISDICTION] has reviewed it.
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