B2B vs Employment Calculator 2026
Compare monthly net income from B2B (self-employment) vs a Polish employment contract (UoP) in 2026. ZUS variants, flat 19% or progressive tax — free online.
Calculator · Business
The business valuation calculator lets you quickly estimate the value of a company using three methods: EBITDA multiple, revenue multiple or the average of both. Enter annual EBITDA, revenues and an industry multiplier — the calculator returns the estimated value and EBITDA margin. Useful for business sales, M&A negotiations and strategic planning.
EBITDA method: Value = EBITDA x multiple Revenue method: Value = Revenue x (multiple / 5) (revenue multiple scaled from EBITDA multiple; typical for ~20% EBITDA margin) Average method: Value = (EBITDA value + Revenue value) / 2 EBITDA margin (%) = EBITDA / Revenue x 100
EBITDA PLN 500,000, multiplier 5x, EBITDA method: value = 500,000 x 5 = PLN 2,500,000. EBITDA margin = 25%. Revenue method: 2,000,000 x (5/5) = PLN 2,000,000. Average: (2,500,000 + 2,000,000) / 2 = PLN 2,250,000.
Value = EBITDA x industry multiple. Example: EBITDA PLN 500,000 x 5x = PLN 2,500,000. Polish SME multiples typically range from 3–8x.
EBITDA (Earnings Before Interest, Taxes, Depreciation and Amortization) is operating profit before those items. It reflects a company's cash-generating ability from operations.
Service SMEs: 3–5x. Retail: 4–6x. IT/SaaS: 8–15x. Manufacturing: 4–7x. Companies with recurring revenues get higher multiples.
Value = Revenue x revenue multiple. The calculator scales the revenue multiple as industry multiple / 5. Useful for companies with low or negative EBITDA.
EBITDA margin = EBITDA / Revenue x 100%. A 25% margin means 25 cents of EBITDA per dollar of revenue. Higher margins (>20%) lead to higher valuations.
Use the average when EBITDA and revenue valuations diverge significantly — for example a high-revenue, low-margin business. It provides a balanced mid-point estimate.
Focus on: growing EBITDA and margins, recurring revenues, diversified customers, clean financial documentation. Each additional PLN 100,000 EBITDA at a 5x multiple adds PLN 500,000 to value.
Enterprise Value (EV) — what the calculator shows — is the total operational value. Equity Value = EV minus net debt plus cash. If the business has PLN 500,000 debt and EV is PLN 2,500,000, equity is PLN 2,000,000.
For sole traders you must normalize EBITDA: add back the owner's salary (or normalize to market rate) and remove personal expenses. Normalized EBITDA gives a more accurate valuation.
No. Results are indicative only. An official valuation for M&A, lending or legal proceedings requires a certified auditor or M&A adviser who performs full due diligence.
Indicative result
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