Estimate EBITDA, EBITDA margin, adjusted EBITDA, and indicative EV/EBITDA valuation multiples from your own financial figures. Illustrative results only — not accounting or financial advice.
EBITDA · Adjusted EBITDA · EBITDA margin · EV/EBITDA multiples · All figures illustrative
Enter the D&A and other non-cash/non-recurring items already included in your expenses above. These are added back to calculate EBITDA.
One-time or non-recurring items sometimes added back to arrive at "Adjusted EBITDA". Definitions vary — consult an accountant for M&A or lending purposes.
| Revenue (your input) | — |
| Cost of Goods Sold (your input) | — |
| Gross Profit (est.) | — |
| Salaries & Payroll | — |
| Rent & Occupancy | — |
| Marketing & Sales | — |
| Other Operating Expenses | — |
| Operating Profit / EBIT (est.) | — |
| + Depreciation (add-back) | — |
| + Amortisation (add-back) | — |
| + Interest Expense (add-back) | — |
| + Income Tax (add-back) | — |
| EBITDA (est.) | — |
| + One-Time Costs (adj. add-back) | — |
| + Share-Based Comp (adj. add-back) | — |
| + Other Adjustments | — |
| Adjusted EBITDA (est.) | — |
| Scenario | EBITDA Used | Multiple (×) | Indicative EV (est.) |
|---|
It builds a simplified income statement from your inputs, calculates EBITDA by adding back D&A, interest, and tax to operating profit, and optionally applies Adjusted EBITDA add-backs and indicative EV/EBITDA multiples. All outputs are illustrative estimates — not audited figures or a professional valuation.
Enter your annual revenue and costs from your management accounts or P&L. Add back only D&A, interest, and tax already embedded in your cost lines above. For Adjusted EBITDA, add one-time costs with caution — these are subject to scrutiny in real M&A processes. Use valuation multiples from comparable industry transactions as a rough guide only.
EBITDA definitions vary between jurisdictions, accounting standards (GAAP vs IFRS), and transaction contexts. This tool uses a simplified model and does not apply any accounting standard. The Adjusted EBITDA section is especially sensitive to how add-backs are defined — buyers and sellers frequently disagree on appropriate adjustments. Always use a qualified accountant for real EBITDA calculations.
EBITDA (Earnings Before Interest, Taxes, Depreciation, and Amortisation) is a widely used financial metric that attempts to measure operating profitability without the effects of capital structure, tax position, and non-cash accounting charges. It is commonly used in business valuation (through EV/EBITDA multiples), lending assessments, and M&A due diligence. However, EBITDA has significant critics and important limitations that this tool cannot address.
Payment processing fees typically appear in COGS (if attributed directly to revenue) or in operating expenses. They reduce gross profit and EBITDA. For payment-heavy businesses, reducing processing fees — for example by switching to a lower-cost processor through QuadraPay's reseller network — directly improves EBITDA and EBITDA margin. However, this is an illustrative connection only. QuadraPay is a reseller and cannot guarantee any specific rate or EBITDA improvement.
Processing fees flow directly into COGS or operating expenses and suppress EBITDA. Reducing them through a better-matched acquiring partner improves EBITDA margin on every pound, dollar, or euro of revenue.
Estimation Tool Only — Not Financial, Accounting, or Professional Advice. The QuadraPay EBITDA Calculator and all other tools on this website (collectively, "the Tools") are provided solely for general informational and illustrative purposes. All EBITDA figures, EBITDA margins, Adjusted EBITDA estimates, enterprise value illustrations, and any other outputs are approximations only, produced by simplified mathematical models applied to your inputs. They are not audited financial statements, professionally prepared accounts, business valuations, investment recommendations, or advice of any kind.
Not Compliant with Accounting Standards. This tool does not apply GAAP, IFRS, UK GAAP, or any other accounting standard. Real EBITDA calculations must be derived from accounts prepared under the applicable accounting standard by a qualified accountant. The simplified model used here may produce materially different figures from properly prepared accounts.
No Accuracy Guarantee. QuadraPay makes no representation, warranty, or guarantee — express or implied — that the outputs are accurate, complete, or applicable to your specific business, industry, or financial position. Actual EBITDA depends on correct accounting treatment of all income and expense items, which this tool cannot verify or replicate.
Not Suitable for M&A, Lending, or Investment. EBITDA figures and enterprise value illustrations produced by this tool must not be used for M&A transactions, business sale processes, lending applications, investor presentations, regulatory filings, or any other material financial or commercial purpose without independent preparation and verification by a qualified accountant, M&A adviser, or financial adviser. Use of tool outputs for these purposes without professional verification could be misleading to counterparties and potentially legally problematic.
FTC Compliance Notice. In accordance with FTC guidelines: (a) QuadraPay does not guarantee any specific EBITDA improvement, processing rate saving, or business outcome; (b) any reference to EBITDA improvement from reduced processing fees is illustrative only — not a typical result — and actual outcomes vary; (c) QuadraPay is a reseller referring merchants to third-party processors and does not control, set, or guarantee rates.
Card Brand and Network Compliance. QuadraPay is not affiliated with, endorsed by, or a registered agent of Visa, Mastercard, American Express, Discover, or any card network. This tool does not apply any card network rules or regulatory framework.
Reseller Disclosure. QuadraPay is a merchant services consultancy and payment solutions reseller. Acquiring partners — not QuadraPay — provide processing services, set rates, and contract directly with merchants. All rates and terms subject to partner underwriting.
No Liability. QuadraPay and its directors, employees, agents, affiliates, and partners disclaim all liability for any loss, damage, or consequence arising from use of or reliance on any Tool output.
Data Privacy. No data you enter is transmitted to QuadraPay's servers or stored. All calculations run locally in your browser.