A complete, bank-ready input budget
Every cost, every acre, every scenario. Take it to your lender.
- ✓
Line-item cost breakdown
Every input itemized — seed, fertilizer, chemical, fuel, labor, and more
- ✓
Breakeven analysis
Know the yield and price you need to cover costs
- ✓
What-if scenarios
Stress-test your plan against different prices and yields
- ✓
Lender ready
Formatted for your operating loan application
Farm management companies charge $500+/year for this. We charge $29.99. Once.
USDA cost data + live fuel prices + breakeven analysis
Built from USDA-ERS cost-of-production benchmarks, live EIA energy prices, and university extension data. Includes breakeven yield, breakeven price, cover crop ROI, conservation payment offsets, and what-if scenarios. Hand it to your lender for your operating loan — it's formatted and ready. The same analysis farm management companies charge hundreds per year for, delivered in seconds.
Full Season Budget
Corn — 500 Acres
Story County, Iowa • 200 bu/a • $4.80/bu
Revenue
Per Acre
$960
Total
$480,000
Variable Costs
| Input | $/Acre |
|---|---|
| Seed | $120 |
| Fertilizer | $145 |
| Chemical | $55 |
| Crop Insurance (80% RP) | $15.9 |
| Fuel | $32 |
| Repairs | $28 |
| Drying | $18 |
| Labor | $15 |
| Total Variable | $428.9 |
Fixed Costs
| Item | $/Acre |
|---|---|
| Cash Rent | $265 |
| Property Tax | $22 |
| Machinery | $45 |
| Operating Loan Interest (8.5%) | $25.5 |
| Overhead | $12 |
| Total Fixed | $369.5 |
Profit Summary
Breakeven Yield
166 bu/a
Breakeven Price
$3.99/bu
Sensitivity Grid
Profit per acre at yield (bu/a) × price ($/bu)
| $/bu | 140 | 160 | 180 | 200 | 220 |
|---|---|---|---|---|---|
| $3.80 | -$281 | -$205 | -$129 | -$53 | $23 |
| $4.30 | -$211 | -$127 | -$43 | $41 | $125 |
| $4.80 | -$141 | -$49 | $43 | $135 | $227 |
| $5.30 | -$71 | $29 | $129 | $229 | $329 |
| $5.80 | -$1 | $107 | $215 | $323 | $431 |
Your Costs vs. Benchmarks
| Item | You | State | National | Diff |
|---|---|---|---|---|
| Seed | $120 | $115 | $118 | +4% |
| Fertilizer | $145 | $152 | $148 | -5% |
| Chemical | $55 | $48 | $52 | +6% |
| Total variable | $429 | $438 | $445 | -2% |
| Total cost | $798 | $795 | $796 | 0% |
Cost Structure
Operating Loan & Cash Flow
Cash Flow Timing
Take this to your lender — shows exactly when you need capital.
Alternative Crop Comparison
| Crop | Profit/Acre |
|---|---|
| Corn (yours) | $147 |
| Soybeans | $118 |
| Wheat | $62 |
| Grain sorghum | $85 |
Corn is your best option at current prices.
Crop Insurance Premium
Operating Loan Interest
Fertilizer Breakdown
| Nutrient | Rate | Source | $/Acre |
|---|---|---|---|
| Nitrogen (N) | 180 lbs/ac | Anhydrous @ $0.55/lb | $99.00 |
| Phosphorus (P) | 50 lbs/ac | DAP @ $0.65/lb | $32.50 |
| Potassium (K) | 70 lbs/ac | Potash @ $0.45/lb | $31.50 |
| Total Fertilizer | $163.00/ac | ||
Cost Per Bushel
$3.82/bu total
$0.98/bu margin
at $4.80 projected price
Cash Flow Timeline
| Phase | Cash Outflow |
|---|---|
| Pre-season (Jan-Mar) | $38,000 |
| Planting (Apr-May) | $153,000 |
| Growing (Jun-Aug) | $76,000 |
| Harvest (Sep-Nov) | $115,000 |
| Post-harvest (Dec) | $0 |
Take this to your lender — shows exactly when you need capital.
vs National Average
Right at the national average — room to optimize seed and chemical costs.
This is sample data. Get your personalized report below.
Sample Report
Full Season Budget
Corn — 500 Acres
Story County, Iowa • 200 bu/a • $4.80/bu
Revenue
Per Acre
$960
Total
$480,000
Variable Costs
| Input | $/Acre |
|---|---|
| Seed | $120 |
| Fertilizer | $145 |
| Chemical | $55 |
| Crop Insurance (80% RP) | $15.9 |
| Fuel | $32 |
| Repairs | $28 |
| Drying | $18 |
| Labor | $15 |
| Total Variable | $428.9 |
Fixed Costs
| Item | $/Acre |
|---|---|
| Cash Rent | $265 |
| Property Tax | $22 |
| Machinery | $45 |
| Operating Loan Interest (8.5%) | $25.5 |
| Overhead | $12 |
| Total Fixed | $369.5 |
Profit Summary
Breakeven Yield
166 bu/a
Breakeven Price
$3.99/bu
Sensitivity Grid
Profit per acre at yield (bu/a) × price ($/bu)
| $/bu | 140 | 160 | 180 | 200 | 220 |
|---|---|---|---|---|---|
| $3.80 | -$281 | -$205 | -$129 | -$53 | $23 |
| $4.30 | -$211 | -$127 | -$43 | $41 | $125 |
| $4.80 | -$141 | -$49 | $43 | $135 | $227 |
| $5.30 | -$71 | $29 | $129 | $229 | $329 |
| $5.80 | -$1 | $107 | $215 | $323 | $431 |
Your Costs vs. Benchmarks
| Item | You | State | National | Diff |
|---|---|---|---|---|
| Seed | $120 | $115 | $118 | +4% |
| Fertilizer | $145 | $152 | $148 | -5% |
| Chemical | $55 | $48 | $52 | +6% |
| Total variable | $429 | $438 | $445 | -2% |
| Total cost | $798 | $795 | $796 | 0% |
Cost Structure
Operating Loan & Cash Flow
Cash Flow Timing
Take this to your lender — shows exactly when you need capital.
Alternative Crop Comparison
| Crop | Profit/Acre |
|---|---|
| Corn (yours) | $147 |
| Soybeans | $118 |
| Wheat | $62 |
| Grain sorghum | $85 |
Corn is your best option at current prices.
Crop Insurance Premium
Operating Loan Interest
Fertilizer Breakdown
| Nutrient | Rate | Source | $/Acre |
|---|---|---|---|
| Nitrogen (N) | 180 lbs/ac | Anhydrous @ $0.55/lb | $99.00 |
| Phosphorus (P) | 50 lbs/ac | DAP @ $0.65/lb | $32.50 |
| Potassium (K) | 70 lbs/ac | Potash @ $0.45/lb | $31.50 |
| Total Fertilizer | $163.00/ac | ||
Cost Per Bushel
$3.82/bu total
$0.98/bu margin
at $4.80 projected price
Cash Flow Timeline
| Phase | Cash Outflow |
|---|---|
| Pre-season (Jan-Mar) | $38,000 |
| Planting (Apr-May) | $153,000 |
| Growing (Jun-Aug) | $76,000 |
| Harvest (Sep-Nov) | $115,000 |
| Post-harvest (Dec) | $0 |
Take this to your lender — shows exactly when you need capital.
vs National Average
Right at the national average — room to optimize seed and chemical costs.
This is sample data. Get your personalized report below.