Enter your business costs and instantly see which are fixed, variable, or semi-variable — with a plain-English explanation for every single one. Built for UK SMEs. 100% free.
Choose the type that best matches your business — this helps the tool give you the most relevant examples and classifications.
Type each cost name and the monthly amount you pay. Add as many rows as you need — the more complete your list, the more useful your results.
The tool analyses every cost and tells you whether it's fixed, variable, or semi-variable — plus the reason why, in plain English.
See your total cost breakdown by type, what it means for your business model, and where to focus if you need to reduce costs.
Fixed costs are your overheads — they land every month whether you sell one unit or one thousand. They don't change with your output or revenue. Understanding them is critical because they define your break-even point.
Variable costs are directly tied to what you produce or sell. More sales = more cost. No sales = no cost (or very little). They include materials, transaction fees, delivery, and direct labour on output. They don't disappear — they scale.
Semi-variable costs (also called mixed costs) have a minimum base charge you always pay, plus an additional amount that varies with usage or activity. Utilities, phone contracts, and some SaaS tools fall into this category.
Add each cost name and monthly amount. Include everything — rent, wages, stock, subscriptions, delivery.
Enter your costs on the left and click Classify my costs to see a full breakdown with explanations.
Common UK SME costs — what they are and how to classify them
This tool classifies your costs. A full LumixAI subscription lets you model pricing scenarios, forecast cashflow, analyse your portfolio margin, and run AI-powered commercial reports — all in one place.