★ Calculator · Easy Win ★

Am I spending
right?

Plug in three numbers. Get back a defensible marketing budget for next month, a 4-bucket channel split, and the payback target that tells you when a campaign is officially working. Built for owners tired of underspending out of fear or overspending out of FOMO.

60-Second Calc No Signup Print or Screenshot
Run the calculator →

Most owners spend by feeling.

Last quarter was tight, so this quarter they pull back. Last week a competitor's ad showed up in the feed, so they panic-boost a post. Neither is a budget — it's a mood.

The good news: there's a defensible range for marketing spend based on revenue, margin, growth goal, and stage. Not a magic number — a conservative-to-aggressive band you can land inside and explain to your partner, your bookkeeper, or yourself.

Run the math. Hit your number. Then go back to running the business.

★ What you'll get

  1. A monthly spend number, in plain dollars
  2. A one-sentence "why" you can defend
  3. A conservative / honest / aggressive band
  4. A 4-bucket channel split with dollar amounts
  5. A payback target — your kill-or-keep number
★ Step 01 · Your Numbers ★

Plug in three numbers.

Be honest, not optimistic. The calculator only works if the inputs are real. Use trailing-90-day revenue, not your best month.

★ Revenue & margin

Last 90 days, not your best month

$

After cost of goods or delivery — the honest one

%
★ Your growth goal (next 90 days)
★ Your stage
★ Step 02 · Your Number ★

Spend up to $0 next month.

Defensible monthly spend
$0
per month · honest mid-band
Conservative
Honest
Aggressive
Lower end$0
Mid$0
Upper end$0
★ Step 03 · Where the Money Goes ★

Your 4-bucket split.

The mix shifts based on stage. A brand-new shop leans hard on Acquisition; a mature business tilts toward Retention. Dollar amounts update with your spend.

40%

Always-On

SEO, Google Business Profile, email list, evergreen content. The stuff that pays you back for years.

$0/ month
35%

Customer Acquisition

Paid ads, lead gen, cold outreach. Direct-response engines that need active management.

$0/ month
15%

Customer Retention

Post-purchase flows, loyalty, win-back campaigns. Highest ROI dollar in any mature business.

$0/ month
10%

Brand & Experiments

New channel tests, sponsorships, partnerships. Bets that don't have to pay back this month — but might.

$0/ month
★ Payback target 45 days

Aim for marketing spend to come back inside this window. That's your kill-or-keep number for every campaign and channel. Don't keep paying for something that hasn't crossed it.

★ Under the Hood

How the math works.

No black box. The calculator runs a base percentage from your growth goal, adjusts up or down for stage and margin, and lands in an "honest" mid-band that matches what well-run small businesses actually spend.

Growth goal
Base spend range
The read
Hold the Line
5–7% of revenue
Cover essentials, no growth bet
Steady Grow (10%)
7–11% of revenue
The "industry honest" band
Push Hard (25%)
11–16% of revenue
Real growth motion — needs tracking
Land-Grab (50%)
16–25% of revenue
Reserved for category bets & new launches

Stage adjustment: "Just Starting" adds 2 points (early traction needs more fuel). "$1M+" subtracts 1 point (mature ops should be more efficient).

Margin adjustment: Under 30% margin subtracts 2 points (you can't outspend bad math). Over 70% margin adds 1 point (you can reinvest harder).

The "honest" number the calculator returns is the midpoint of the adjusted band. The conservative end and aggressive end give you a sane range to flex inside.

Tweaks by industry.

Four industries, four ways to read your number. The math is the same; the channels you spend it on aren't.

Service Pros

Trades, home services, contractors

  • Tighten the payback window. Service businesses see a yes/no within days, not weeks. Shoot for 30-day payback, not 60.
  • Always-On = Google Business Profile + reviews, not blog posts. Pour that bucket into local search dominance.
  • Skip the retention bucket until you've got 200+ repeat clients on the books — the math doesn't compound until then.
  • Acquisition bucket almost always wants to be paid local search ads (LSAs) and door-to-door for the first $250K.
E-Commerce

Products & subscriptions

  • Retention is non-negotiable. If your LTV math depends on repeat purchase, push retention to 20–25% even at small stages.
  • Always-On = pixels installed everywhere + a healthy email list. SEO matters less for most product brands than you think.
  • Push-Hard or Land-Grab only with a tested margin floor — burning to acquire customers at a loss kills more brands than slow growth ever has.
  • Watch CAC weekly, not monthly. Ad markets shift fast — the calculator gives you the budget, your platform tells you whether to keep spending it.
Brick & Mortar

Shops, restaurants, storefronts

  • 80% of Always-On goes to Google Business Profile (photos, posts, reviews, hours). It's the single biggest local-discovery lever you have.
  • Avoid expensive ad channels. If you can't be sure the customer is local, don't spend on it. Meta geo-targeting beats Google search for most B&M shops.
  • Retention bucket = neighborhood list-building. Get emails or SMS opt-ins at the counter. Cheapest customer is the one already inside.
  • Push-Hard mode for B&M means events, partnerships, and PR — not bigger ad budgets. The math is the same, the spend just looks different.
Agency Owners

Agencies, consultants, freelancers

  • Retention bucket = client expansion, not loyalty programs. Account reviews, scope-up proposals, quarterly check-ins.
  • Brand bucket is referral generation. Conference talks, podcast guesting, content that travels. Skip the swag.
  • Stretch the payback window to 90 days. Agency sales cycles are longer; don't kill campaigns before they can land.
  • Acquisition bucket for agencies is almost always outbound (cold email, LinkedIn) plus warm-network referrals — not paid ads.

5 mistakes that blow up the number.

The calculator is only as honest as your inputs and your discipline. Avoid these and the math works.

Mistake 01

Using your best month as the revenue input

One blockbuster July doesn't mean your business does July numbers every month. Use trailing 90-day average. Honest input, honest output. Optimistic input, blown budget by Q4.

Mistake 02

Forgetting gross margin

Top-line revenue lies. A $40K-revenue product business at 18% margin can't spend like a $40K-revenue service business at 70%. Use real margin after cost of goods or delivery — the calculator handles the rest.

Mistake 03

Counting salaries and software as marketing spend

This number is for variable marketing dollars — the spend you could pause next month if you had to. Don't fold a marketing manager's salary or your HubSpot bill in here. Track those separately as fixed costs.

Mistake 04

Not tracking the payback target

The payback number is the whole point. Every campaign you run should be answerable to it. If you don't know whether your spend came back inside the window, you don't have a budget — you have a wishlist.

Mistake 05

Reallocating mid-month

Marketing returns are volatile by week and stable by month. Don't pull money out of a bucket because last Thursday was bad. Decide the split at the start, hold the line for 30 days, then adjust based on actual results.

Mistake 06 · Bonus

Treating the number as a floor instead of a ceiling

"Spend up to $X" is the upper bound of what's defensible. If you're new to spending or new to a channel, start at the conservative end. Spend isn't a competition — return on spend is.

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