ATM Revenue Calculator

Calculate monthly surcharge income from an ATM based on transaction volume, fees, and operating costs.

Inputs

ATM purchase cost ($)

Surcharge per transaction ($)

Daily transactions

Location commission (%)

Location flat fee ($/mo)

Interchange fee / txn ($)

Network/processor fee ($/mo)

Insurance ($/mo)

Cash loading cost ($/mo)

Telecom / internet ($/mo)

Tab to move between fields

Results

Monthly surcharge revenue

$720.00

≈ 8 nice dinners out

Monthly profit

$465.00

≈ 8 tanks of gas

Payback period (months)

6.5

Annual profit$5,580.00

Annual ROI (%)186%

Profit per transaction$1.94

Profit margin (%)64.6%

Total monthly expenses$255.00

Location commission / month$0.00

Annual Surcharge Revenue$8,640.00

How to Use This Calculator

Enter ATM purchase cost ($), Surcharge per transaction ($), and Daily transactions.
Set Location commission (%), Location flat fee ($/mo), and Interchange fee / txn ($).
Adjust Network/processor fee ($/mo), Insurance ($/mo) as needed.
Review Monthly surcharge revenue ($), Monthly profit ($), and Payback period (months).
Use Annual profit ($) and Annual ROI (%) (%) to inform your decision.

How the result changes with Surcharge per transaction ($)

Surcharge per transaction ($)	Monthly surcharge revenue	Monthly profit	Payback period (months)
1.45	$348.00	$93.00	32.3
3.82	$916.80	$661.80	4.5
6.67	$1,600.80	$1,345.80	2.2
9.05	$2,172.00	$1,917.00	1.6

What each input means

ATM purchase cost ($): Cost to purchase the ATM. New: $2,000-$8,000, refurbished: $1,200-$3,000.
Surcharge per transaction ($): Fee charged to the user per withdrawal. Typical: $2.50-$3.50.
Daily transactions: Average daily transactions. Bar/nightclub: 15-30, convenience store: 5-15, office: 3-8.
Location commission (%): Percentage of surcharge revenue paid to location owner. Some deals are flat-fee instead.
Location flat fee ($/mo): Fixed monthly rent paid to location. Alternative to percentage commission.
Interchange fee / txn ($): Network/processor interchange fee per transaction. Typically $0.25-$0.75.
Network/processor fee ($/mo): Monthly fee to the ATM processor/network.
Insurance ($/mo): Monthly liability and theft insurance.
Cash loading cost ($/mo): Cost to load cash (armored car service or your time). Self-loading is cheaper.
Telecom / internet ($/mo): Monthly cellular or internet connection cost for the ATM.

What each result means

Monthly surcharge revenue: Gross monthly income from surcharge fees.
Monthly profit: Net profit after all operating expenses.
Payback period (months): Months to recoup the ATM purchase cost.
Annual profit: Projected yearly net profit.
Annual ROI (%): Annual return on the ATM investment.
Profit per transaction: Net profit earned on each transaction.
Profit margin (%): Net profit as a percentage of surcharge revenue.
Total monthly expenses: All monthly operating costs combined.
Location commission / month: Monthly amount paid to the location owner.

How this is calculated

Worked example, using the default values

Identify Input Parameters
4 parameters
ATM purchase cost ($) = 3000, Surcharge per transaction ($) = 3, Daily transactions = 8, Location commission (%) = 0 = 10 input(s) provided
Calculate Monthly surcharge revenue
Monthly surcharge revenue = dailySurchargeRevenue * 30
720 = $720
Calculate Monthly profit
Monthly profit = monthlySurchargeRevenue - totalMonthlyExpenses
465 = $465
Calculate Payback period
6.5 = 6.5
Calculate Annual profit
Annual profit = monthlyProfit * 12
5580 = $5,580
Calculate Annual ROI
186 = 186%

Engine last updated July 26, 2026. Checked against 2 independently-derived tests — how we verify calculators.

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