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Bitrix24 Sari-sari store · capital · tubo · ₱
Sari-sari store business plan — capital, tubo each month and when it pays back
Short answer. Put in your daily sales, your average markup, the days you open, monthly costs and your starting capital: you see the gross profit, the net profit each month and the months to earn back the set-up. BMBE: trading or services business with total assets of not more than ₱3,000,000, not counting the land (RA 9178, s. 3).
- Barangay clearance, mayor's permit, DTI and BIR — before openingtype the date
- Ask the treasurer about BMBE registrationtype the date
- One month of daily sales recorded — compare with the plantype the date
Check your own case.
RA 9178: a micro business with assets up to ₱3 million can register as a BMBE with the city or municipal treasurer.
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Sari-sari store · capital · tubo · ₱
Your sari-sari store in pesos — capital, profit each month and when it pays back
Put in your daily sales, your average markup, the days you open, the monthly costs and your starting capital. You see the gross profit, the net profit each month, the months to earn back the set-up, and what goes back into stock. The Excel file has inventory and a listahan ng utang. No sign-up.
- Write your daily sales for a month in the Excel «Daily sales» sheet — the average you get is better than any guess.
- Keep utang in the «Listahan ng utang» sheet and set a limit per suki.
- Register: barangay clearance, mayor's permit, DTI business name and BIR — and ask your municipal treasurer about BMBE registration.
Arithmetic only: gross profit = sales × markup ÷ (100 + markup). The 8% line is the optional income tax on gross sales above ₱250,000 (RA 10963) for those within the VAT threshold — shown only to compare; BIR registration decides your tax. Not tax or business advice.
Liza, Layers template assistant
Tell me your daily sales, markup and capital, and I will show your monthly tubo and when the store pays back.
The Excel file has inventory and the listahan ng utang.
Deadlines
The rules, with the source
| What | Deadline | Source |
|---|---|---|
| BMBE | Trading or services business with total assets of not more than ₱3,000,000, not counting the land | RA 9178, s. 3 |
| BMBE registration | With the city or municipal treasurer; a Certificate of Authority | RA 9178, s. 4 |
| BMBE benefit | Exempt from income tax on income from its operations | RA 9178, s. 7 |
| 8% option | Self-employed within the VAT threshold may choose 8% on gross sales above ₱250,000 | NIRC s. 24(A)(2)(b), RA 10963 |
Check at the start of the year: tax rules and LGU fees change. The 8% line in the calculator is only for comparison; your BIR registration decides your tax.
Step by step
What to do, in order
1
Your sales and markup
Average sales per day, markup and days open.
2
Your capital and costs
Set-up, first stock, permits and monthly costs.
3
See the profit
Tubo, net profit each month and payback; then track sales and utang in Excel.
Questions
How much capital do I need for a sari-sari store?
Set-up (shelves, freezer, screen, signage) + first stock + permits. The examples here go from ₱25,000 for a small window store to ₱145,000 for a busy corner store.
How much is the profit of a sari-sari store?
Gross profit = sales × markup ÷ (100 + markup). With ₱6,000 sales a day and 15% markup, that is about ₱23,478 a month before electricity, rent and other costs.
What permits do I need?
Barangay clearance, mayor's permit, DTI business name and BIR registration; ask your treasurer about the BMBE Certificate of Authority (RA 9178). The Word file has the checklist.
Do I pay income tax?
A registered BMBE is exempt from income tax on income from its operations (RA 9178, s. 7). Otherwise BIR rules apply — the calculator shows the 8% option only for comparison.
How do I keep track of utang?
Use the Excel «Listahan ng utang» sheet: name, date, items, amount, paid and balance, with a total of what is outstanding.
Is it free? Do I need to sign up?
It is free and you do not need to sign up: fill in, see the result and download the Excel and Word files. With a free account you can save a copy to your Layers.
Official sources
Other documents
Keep the papers in one place
Letters, receipts and notices in one folder you can share with family or a lawyer. The templates and the editor are free; Layers is free for up to 20 people.
A business plan worksheet, not tax or legal advice. Prices and sales are examples.