Your Seller's Discretionary Earnings (SDE)

Annual net profit ($)

Owner salary drawn ($)

Personal add-backs (perks, car, etc.) ($)

One-time / non-recurring expenses ($)

Total SDE $245,000

Industry & Multiple

Select your industry HVAC / Plumbing / Electrical — 2.5× to 4.0× Restaurants & Food Service — 1.5× to 2.8× Retail (General / Specialty) — 1.8× to 3.0× Professional Services (Accounting, Legal, Marketing) — 2.0× to 3.5× Healthcare & Dental — 3.0× to 5.0× Home Services (Cleaning, Pest, Landscaping) — 2.0× to 3.5× Auto Repair & Services — 2.0× to 3.0× IT Services / MSP — 2.5× to 4.0× E-Commerce / Online Business — 2.5× to 4.5× Fitness / Gym / Wellness — 1.5× to 3.0× Manufacturing & Distribution — 2.0× to 3.5× Construction & Contracting — 1.5× to 3.0×

SDE multiple 3.0×

Sale Details

Business assets / FF&E ($)

Debt paid off at closing ($)

Broker / transaction fees (%)

Capital gains tax rate (%)

Retirement Check

Existing retirement savings ($)

Annual spending in retirement ($)

Other annual income (SS, pension) ($)

Note: SDE multiples from 2025 BizBuySell & DealStats transaction data. Actual value depends on growth rate, customer concentration, lease terms, and owner dependency. Capital gains tax is simplified — consult a CPA for asset vs. stock sale treatment. Always work with a licensed business broker.