Convenience Store and Gas Station Profit Calculator

How many cents a gallon do you actually keep after card fees, and is the store paying for itself?

Enter your gallons, pump price, delivered fuel cost and card fees, your inside sales by category, labor, fixed costs and loan payments. You get the net fuel margin in cents a gallon, monthly operating profit, break-even gallons, debt coverage, how much of profit rides on fuel, and what a few cents of margin or a swing in volume does.

It works from your own figures. It does not know what fuel margins, tobacco rules or card rates are in your market, or whether volume will hold.

Fuel

Gallons of fuel sold per month

Pump price per gallon, $

Delivered fuel cost per gallon, $ (rack, freight and taxes)

Fuel sales paid by card, %

Card fee, % of the sale (interchange + processor)

Card fee per transaction, $

Average gallons per fill-up

Inside sales

Tobacco and vape: sales per month, $

Tobacco and vape: gross margin, %

Grocery, snacks, drinks and food service: sales per month, $

Grocery, snacks, drinks and food service: gross margin, %

Beer, wine and alcohol: sales per month, $

Beer, wine and alcohol: gross margin, %

Labor, fixed costs and loan

Inside sales paid by card, %

Shrink and waste, % of inside sales

Lottery, ATM and other commissions per month, $

Paid labor hours per month

Average hourly wage, $

Payroll burden, % (taxes, workers' comp)

Rent or mortgage interest per month, $

Utilities per month, $

Insurance per month, $

Property tax per month, $

Other fixed cost per month, $ (licenses, software, repairs)

Loan payments per month, $ (principal and interest)

Fill in your fuel figures, labor hours and wage, then click Work out the store. Everything else defaults to zero.

Result

If your net fuel margin moves

Change, cents a gallon	Profit after loan, per month

If gallons move

Change in gallons	Profit after loan, per month

What it does, and what it leaves to you

Fuel: gallons × (pump price − delivered cost) is gross margin. Card fees are the card share of sales × fee % plus transactions (card gallons ÷ average fill) × the per-transaction fee. Net fuel margin is the difference, per gallon.
Inside: each category's sales × gross margin, less card fees on the card share of inside sales and shrink as a share of sales, plus commissions.
Costs: labor hours × wage × (1 + burden), plus the fixed costs you enter. Loan payments come after operating profit; debt coverage is operating profit ÷ loan payments.
Break-even gallons: the volume at which fuel net margin plus everything else covers loan payments, holding every other figure fixed.
Not decided: what margins your market allows; tobacco, alcohol, lottery and fuel licensing and tax rules; environmental and tank compliance; lender terms and thresholds; whether volume holds; and tax.

Common questions

How much do card fees cost a gas station?

Card fees are charged on the sale, and fuel sales at the pump are large, so the fee on a gallon rises when the pump price rises even though your margin does not. The page subtracts the fee, as a percentage plus a per-transaction charge, from your gross fuel margin to show cents a gallon you keep.

How much profit does a convenience store make per gallon of gas?

Gross margin per gallon is the pump price less delivered cost; what is left after card fees is the number that matters. Enter your own price, cost and fees; the page does not assume a market margin.

How many gallons do I need to sell to break even?

Inside margin and commissions less labor and fixed costs form a base; fuel net margin per gallon times gallons has to cover what that base and your loan payments leave. The page solves this and also shows the net fuel margin you would need at your current volume.

What is debt service coverage on a store loan?

Operating profit before loan payments divided by loan payments. Lenders set their own minimum, commonly above 1.25 times; the page shows your ratio and leaves the threshold to your lender.

Is my data uploaded anywhere?

No. Everything is calculated in your browser and nothing is sent; a test in the code asserts there are no network calls.