{"id":23264,"date":"2025-01-20T13:06:57","date_gmt":"2025-01-20T07:36:57","guid":{"rendered":"https:\/\/open.money\/blog\/?p=23264"},"modified":"2025-09-05T11:35:36","modified_gmt":"2025-09-05T06:05:36","slug":"bep-calculator-understanding-break-even-analysis","status":"publish","type":"post","link":"https:\/\/open.money\/blog\/bep-calculator-understanding-break-even-analysis\/","title":{"rendered":"Understanding Break-Even Analysis: A Guide for Entrepreneurs"},"content":{"rendered":"\n<p><span style=\"font-weight: 400;\">Break-even analysis is a crucial tool for business owners, whether planning a business idea, launching a new product, or writing a business plan. It will help you estimate when your idea could start generating profits so you know where you are headed before investing your time and money.<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">In this guide, we will cover break-even analysis, when to do it, its components, how to calculate the break-even point and the benefits of doing it.&nbsp;<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>What is Break-Even Analysis?<\/strong><\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">A break-even analysis is a calculation to determine your break-even point (BEP). The break-even point happens when you have sold enough units to cover all your costs. At this point, you would have neither lost money nor made any profits.<\/span><\/p>\n\n\n<!DOCTYPE html>\r\n<html lang=\"en\">\r\n<head>\r\n    <meta charset=\"UTF-8\">\r\n    <meta name=\"viewport\" content=\"width=device-width, initial-scale=1.0\">\r\n    <title>Comprehensive Break-Even Calculator<\/title>\r\n    <script src=\"https:\/\/cdn.jsdelivr.net\/npm\/chart.js\"><\/script>\r\n    <style>\r\n        body {\r\n            font-family: Georgia, Times, Times New Roman, serif;\r\n            background-color: #f4f4f9;\r\n            margin: 0;\r\n            padding: 20px;\r\n        }\r\n        .calculator-container {\r\n            max-width: 600px;\r\n            margin: 0 auto;\r\n            background: #ffffff;\r\n            border-radius: 10px;\r\n            padding: 20px;\r\n            box-shadow: 0 2px 10px rgba(0, 0, 0, 0.1);\r\n        }\r\n       \r\n        }\r\n        label {\r\n            display: block;\r\n            margin-bottom: 10px;\r\n            color: #555;\r\n        }\r\n        .input-group {\r\n            display: block;\r\n            margin-bottom: 20px;\r\n        }\r\n        .input-group div {\r\n            display: flex;\r\n            flex-direction: column;\r\n            margin-bottom: 15px;\r\n        }\r\n        input {\r\n            width: 100%;\r\n            padding: 10px;\r\n            border: none;\r\n            border-bottom: 2px dashed #ddd;\r\n            font-size: 16px;\r\n            margin-top: 5px;\r\n            outline: none;\r\n        }\r\n        input:focus {\r\n            border-bottom: 2px dashed #66359E;\r\n        }\r\n        .btn {\r\n            display: block;\r\n            width: 100%;\r\n            padding: 10px;\r\n            background: #66359E;\r\n            color: #fff;\r\n            border: none;\r\n            border-radius: 5px;\r\n            font-size: 16px;\r\n            cursor: pointer;\r\n            text-align: center;\r\n        }\r\n        .btn:hover {\r\n            background: #66359E;\r\n        }\r\n        .results {\r\n            margin-top: 20px;\r\n            padding: 10px;\r\n            background: #ffffff;\r\n            border: 1px solid #66359E;\r\n            color: #333;\r\n            border-radius: 5px;\r\n        }\r\n        .result-item {\r\n            margin-bottom: 10px;\r\n        }\r\n        canvas {\r\n            margin-top: 20px;\r\n            max-width: 100%;\r\n            height: 400px;\r\n        }\r\n        #calculatorForm {\r\n            display: block;\r\n        }\r\n        #results {\r\n            display: none;\r\n        }\r\n        #recalculateBtn {\r\n            margin-top: 20px;\r\n            background-color: #66359E;\r\n            color: #fff;\r\n            font-family: Georgia, Times, Times New Roman, serif;\r\n        }\r\n        ul {\r\n            font-size: 16px;\r\n            padding-left: 20px;\r\n        }\r\n        li {\r\n            margin-bottom: 10px;\r\n        }\r\n    <\/style>\r\n<\/head>\r\n<body>\r\n    <div class=\"calculator-container\">\r\n        <h3 style=\"text-align: center; color: #333\">Break-Even Calculator (Goods\/Services)<\/h2>\r\n        <form id=\"calculatorForm\">\r\n            <div class=\"input-group\">\r\n                <div>\r\n                    <label for=\"fixedCosts\">Fixed Costs (\u20b9)<\/label>\r\n                    <input type=\"number\" id=\"fixedCosts\" required>\r\n                <\/div>\r\n                <div>\r\n                    <label for=\"sellingPrice\">Selling Price per Unit\/Order (\u20b9)<\/label>\r\n                    <input type=\"number\" id=\"sellingPrice\" required>\r\n                <\/div>\r\n                <div>\r\n                    <label for=\"variableCost\">Variable Cost per Unit\/Order (\u20b9)<\/label>\r\n                    <input type=\"number\" id=\"variableCost\" required>\r\n                <\/div>\r\n                <div>\r\n                    <label for=\"numberOfUnits\">Number of Units\/Orders Sold (Monthly)<\/label>\r\n                    <input type=\"number\" id=\"numberOfUnits\" required>\r\n                <\/div>\r\n            <\/div>\r\n            <button type=\"button\" class=\"btn\" onclick=\"calculate()\">Calculate<\/button>\r\n        <\/form>\r\n        <div id=\"results\" class=\"results\">\r\n            <ul>\r\n                <li id=\"breakEvenUnits\"><\/li>\r\n                <li id=\"breakEvenRupees\"><\/li>\r\n                <li id=\"breakEvenPeriod\"><\/li>\r\n                <li id=\"contributionMargin\"><\/li>\r\n                <li id=\"contributionMarginRatio\"><\/li>\r\n            <\/ul>\r\n            <canvas id=\"breakEvenChart\" style=\"display: block;\"><\/canvas>\r\n            <button id=\"recalculateBtn\" class=\"btn\" onclick=\"recalculate()\">Recalculate<\/button>\r\n        <\/div>\r\n    <\/div>\r\n    <script>\r\n        function calculate() {\r\n            document.getElementById('calculatorForm').style.display = 'none';\r\n            document.getElementById('results').style.display = 'block';\r\n            const fixedCosts = parseFloat(document.getElementById('fixedCosts').value);\r\n            const sellingPrice = parseFloat(document.getElementById('sellingPrice').value);\r\n            const variableCost = parseFloat(document.getElementById('variableCost').value);\r\n            const numberOfUnitsSoldMonthly = parseFloat(document.getElementById('numberOfUnits').value);\r\n            const contributionMargin = sellingPrice - variableCost;\r\n            const contributionMarginRatio = contributionMargin \/ sellingPrice;\r\n            const breakEvenUnits = fixedCosts \/ contributionMargin;\r\n            const breakEvenRupees = breakEvenUnits * sellingPrice;\r\n            const breakEvenPeriod = breakEvenUnits \/ numberOfUnitsSoldMonthly;\r\n            document.getElementById('breakEvenUnits').textContent = `You will need to sell ${breakEvenUnits.toFixed(2)} units\/orders to break even`;\r\n            document.getElementById('breakEvenRupees').textContent = `You need to generate \u20b9${breakEvenRupees.toFixed(2)} in sales when you break-even`;\r\n            document.getElementById('breakEvenPeriod').textContent = `You need ${breakEvenPeriod.toFixed(2)} months to break-even if you keep selling ${numberOfUnitsSoldMonthly} monthly`;\r\n            document.getElementById('contributionMargin').textContent = `Your contribution margin is \u20b9${contributionMargin.toFixed(2)}`;\r\n            document.getElementById('contributionMarginRatio').textContent = `Your contribution margin ratio is ${(contributionMarginRatio * 100).toFixed(2)}%`;\r\n            generateBreakEvenGraph(sellingPrice, variableCost, fixedCosts, breakEvenUnits);\r\n        }\r\n        function generateBreakEvenGraph(sellingPrice, variableCost, fixedCosts, breakEvenUnits) {\r\n            const units = [];\r\n            const totalCosts = [];\r\n            const totalRevenue = [];\r\n            let breakEvenX = null;\r\n            let breakEvenY = null;\r\n            for (let i = 0; i <= breakEvenUnits * 1.5; i++) {\r\n                units.push(i);\r\n                totalCosts.push(fixedCosts + i * variableCost);\r\n                totalRevenue.push(i * sellingPrice);\r\n                if (Math.abs(i - breakEvenUnits) < 0.5) {\r\n                    breakEvenX = i;\r\n                    breakEvenY = i * sellingPrice;\r\n                }\r\n            }\r\n            const canvas = document.getElementById('breakEvenChart');\r\n            canvas.style.display = 'block';\r\n            new Chart(canvas, {\r\n                type: 'line',\r\n                data: {\r\n                    labels: units,\r\n                    datasets: [\r\n                        {\r\n                            label: 'Total Costs (\u20b9)',\r\n                            data: totalCosts,\r\n                            borderColor: 'red',\r\n                            fill: false,\r\n                            tension: 0.1,\r\n                        },\r\n                        {\r\n                            label: 'Total Revenue (\u20b9)',\r\n                            data: totalRevenue,\r\n                            borderColor: 'green',\r\n                            fill: false,\r\n                            tension: 0.1,\r\n                        },\r\n                        {\r\n                            label: 'Break-Even Point',\r\n                            data: [{ x: breakEvenX, y: breakEvenY }],\r\n                            pointBackgroundColor: 'blue',\r\n                            pointBorderColor: 'blue',\r\n                            pointRadius: 6,\r\n                            type: 'scatter'\r\n                        }\r\n                    ]\r\n                },\r\n                options: {\r\n                    responsive: true,\r\n                    plugins: {\r\n                        title: {\r\n                            display: true,\r\n                            text: 'Break-Even Analysis Graph'\r\n                        },\r\n                        tooltip: {\r\n                            mode: 'index',\r\n                            intersect: false\r\n                        }\r\n                    },\r\n                    scales: {\r\n                        x: {\r\n                            title: {\r\n                                display: true,\r\n                                text: 'Units Produced\/Sold'\r\n                            }\r\n                        },\r\n                        y: {\r\n                            title: {\r\n                                display: true,\r\n                                text: '\u20b9 (Costs and Revenue)'\r\n                            }\r\n                        }\r\n                    }\r\n                }\r\n            });\r\n        }\r\n        function recalculate() {\r\n            document.getElementById('calculatorForm').style.display = 'block';\r\n            document.getElementById('results').style.display = 'none';\r\n            document.getElementById('calculatorForm').reset();\r\n        }\r\n    <\/script>\r\n<\/body>\r\n<\/html>\r\n\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Why Should Every Business Do Break-Even Analysis?<\/strong><\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">Break-even analysis helps entrepreneurs &#8211;&nbsp;<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span style=\"font-weight: 400;\">Minimize risks by understanding the viability of products even before launch\u00a0<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Outline all potential expenses\u00a0<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Appropriately price their products or services<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Determine what level of funding is required and prepare for it<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Calculate the no profit-no loss point\u00a0<\/span><\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Components of Break-Even Analysis<\/strong><\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">In break-even analysis, we understand how production, costs, revenue, and profit relate to each other. Here&#8217;s what it means:<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><b>Volume of products or services vs. costs<\/b><span style=\"font-weight: 400;\">:<\/span><\/li>\n<\/ul>\n\n\n\n<p><span style=\"font-weight: 400;\">It examines how changes in the number of products you produce or services you provide affect the costs involved (e.g., fixed costs like rent and variable costs like raw materials).<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><b>Sales revenue vs. profit<\/b><span style=\"font-weight: 400;\">:<\/span><\/li>\n<\/ul>\n\n\n\n<p><span style=\"font-weight: 400;\">It indicates how the money earned from selling products or services (sales revenue) is used to cover costs and estimates when you can start making a profit.<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Let us understand different cost components &#8211;<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><b>Fixed Cost <\/b><span style=\"font-weight: 400;\">\u2014 Fixed costs remain the same no matter how many products or services are sold. They are also called overhead costs. Examples of fixed costs include interest on capital, mortgages, insurance premiums, salaries, electricity, rent, taxes, and so on.<\/span><\/li>\n\n\n\n<li><b>Variable costs<\/b><span style=\"font-weight: 400;\"> &#8211; Variable costs <\/span><span style=\"font-weight: 400;\">fluctuate<\/span> <span style=\"font-weight: 400;\">according to the changes in the units produced\/services offered. It is calculated per-unit basis, so if you produce or sell more units, you incur more variable costs.\u00a0<\/span><\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>How do I Calculate the Break-Even Point (BEP)?<\/strong><\/h2>\n\n\n\n<p><a href=\"https:\/\/open.money\/automated-accounting\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Accounting software with managerial accounting features<\/span><\/a><span style=\"font-weight: 400;\"> typically calculates the BEP for you. But let us understand what goes into that formula. There are three ways to calculate the break-even point. They are &#8211;<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span style=\"font-weight: 400;\">Mathematical Equation Method or Break-even point in units,<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Contribution Margin Method or Break-even point in rupees, and<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Graphic Method<\/span><\/li>\n<\/ul>\n\n\n\n<p><span style=\"font-weight: 400;\">Let us understand this with an example. Imagine that you are in the business of producing mobile phones. Your fixed cost is \u20b91,00,000, your variable cost per unit is \u20b93 500, and your selling price per unit is \u20b94,500.&nbsp;<\/span><b><\/b><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><b>Mathematical Equation Method or Break-even point in units:<\/b><\/li>\n<\/ul>\n\n\n\n<p><span style=\"font-weight: 400;\">Calculating the break-even point in units will tell you how many units you need to produce before the business breaks even (reaches a point of no profit\/loss).<\/span><\/p>\n\n\n\n<p><b>Break-even point (in units)<\/b><span style=\"font-weight: 400;\"> = Fixed costs \u00f7 (Selling Price per unit &#8211; Variable cost per unit)<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">In our case, it would be 1,00,000 \u00f7 (4,500 &#8211; 3,500) = 100&nbsp;<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Based on the above calculation, <\/span><span style=\"font-weight: 400;\">100 <\/span><span style=\"font-weight: 400;\">mobile phones must be sold<\/span> <span style=\"font-weight: 400;\">to break-even.<\/span><b><\/b><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><b>Contribution Margin Method or Break-even point in rupees:<\/b><\/li>\n<\/ul>\n\n\n\n<p><span style=\"font-weight: 400;\">If you prefer calculating the break-even point in rupees, it will tell you how much revenue you need to generate before your business breaks even. Here, you need to know a critical concept called Contribution margin. The Contribution margin is the amount you contribute to recovering your fixed cost. The two critical formulas here are &#8211;<\/span><\/p>\n\n\n\n<figure class=\"wp-block-image alignnone wp-image-23266 size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"3841\" height=\"2001\" src=\"https:\/\/open.money\/blog\/wp-content\/uploads\/2025\/01\/blog_2_1.png\" alt=\"break-even analysis\" class=\"wp-image-23266\"\/><figcaption class=\"wp-element-caption\">break-even analysis<\/figcaption><\/figure>\n\n\n\n<p><span style=\"font-weight: 400;\">In the previous example, say if you sell 20 mobile phones, then the break-even point would be 1,00,000 \u00f7 ((4,500- 3,500)\/4,500) = \u20b9 4,50,000.<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><b>Graphic Method:<\/b><\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-image alignnone wp-image-23265 size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"3841\" height=\"2001\" src=\"https:\/\/open.money\/blog\/wp-content\/uploads\/2025\/01\/blog_3.png\" alt=\"break-even analysis\" class=\"wp-image-23265\"\/><figcaption class=\"wp-element-caption\">break-even analysis<\/figcaption><\/figure>\n\n\n\n<p><span style=\"font-weight: 400;\">In the Graphic method, you plot the total revenue and cost lines. The point where the total revenue line and the total cost line intersect is the Break-Even Point (BEP). The total revenue line starts from the origin because when no units are sold, the total revenue is zero. However, the total cost line doesn\u2019t start from the origin because fixed costs are incurred even when no units are sold.<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>When to do a Break-Even Analysis?<\/strong><\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">Businesses should do a break-even analysis before they decide to &#8211;<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span style=\"font-weight: 400;\">Expand the business<\/span><\/li>\n<\/ul>\n\n\n\n<p><span style=\"font-weight: 400;\">The break-even point helps entrepreneurs\/CFOs understand the time a business takes to generate profit.<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span style=\"font-weight: 400;\">Give discounts<\/span><\/li>\n<\/ul>\n\n\n\n<p><span style=\"font-weight: 400;\">Sometimes, businesses need to offer discounts to outperform their competitors. So, they need to determine how many additional units they need to sell to offset or compensate for the discounts.<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span style=\"font-weight: 400;\">Narrow down the options<\/span><\/li>\n<\/ul>\n\n\n\n<p><span style=\"font-weight: 400;\">Entrepreneurs are constantly making decisions. The break-even point reduces decision-making to a series of yes or no questions.<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span style=\"font-weight: 400;\">Securing Funding<\/span><\/li>\n<\/ul>\n\n\n\n<p><span style=\"font-weight: 400;\">Break-even analysis is often a key tool in securing funding, allowing you to present a well-thought-out business plan to investors and lenders.<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span style=\"font-weight: 400;\">Pricing Strategically<\/span><\/li>\n<\/ul>\n\n\n\n<p><span style=\"font-weight: 400;\">By conducting a break-even analysis, you can determine the optimal pricing for your products, ensuring they align with your business&#8217;s profitability goals.<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span style=\"font-weight: 400;\">Avoiding Emotion-Driven Decisions<\/span><\/li>\n<\/ul>\n\n\n\n<p><span style=\"font-weight: 400;\">Making decisions based on emotions can be risky in business. A break-even analysis provides you with concrete data, enabling you to make informed, objective decisions.<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Standard Break-Even Time Period &amp; How To Reduce It<\/strong><\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">The time it takes to sell enough units to break even is called the break-even period. The break-even period completely depends on the nature of your business, making it harder to predict.&nbsp;<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Typically, businesses consider a window between 6 and 18 months an acceptable break-even period because a window greater than 18 months is considered risky. However, this isn\u2019t a globally accepted range.&nbsp;<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">There are two ways to reduce your break-even period &#8211;&nbsp;<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span style=\"font-weight: 400;\">Increase prices and\u00a0<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Decrease costs.\u00a0<\/span><\/li>\n<\/ul>\n\n\n\n<p><span style=\"font-weight: 400;\">You could outsource your fixed costs and reduce variable costs by finding cheaper alternatives.&nbsp;<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Limitations of Break-Even Analysis<\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">Even though the break-even analysis can pave the way to profitability, it isn\u2019t the best analytical tool. Here are some of its limitations &#8211;<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span style=\"font-weight: 400;\">It assumes constant prices \u2014 It assumes the prices of products or services remain constant, which may not reflect actual market conditions where prices may fluctuate.<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Fixed costs might change \u2014 Fixed costs may not always be fixed. They may change due to salary hikes, tariff changes, changes in rental rates, or other factors.<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Costs and sales might not have a linear relationship \u2014 Break-even analysis assumes a linear relationship between costs and sales, which may not be the case, especially in industries with economies of scale or diminishing returns, such as automobile manufacturing or agriculture.<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Ignores external factors \u2014 Break-even analysis doesn\u2019t account for changes in market demand, competition, regulations, or other economic factors.<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Limited to a single product or service\u2014\u2014This analysis is typically applied to single-product businesses, making it less useful for diversified businesses.<\/span><span style=\"font-weight: 400;\">\u00a0<\/span><\/li>\n<\/ul>\n\n\n\n<p><span style=\"font-weight: 400;\">Conducting a break-even analysis is crucial for making informed business decisions. Whether you\u2019re planning to start a new venture or implement changes to your existing business, a break-even analysis will help you be better prepared.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"Break-even analysis is a crucial tool for business owners, whether planning a business idea, launching a new product,&hellip;","protected":false},"author":55,"featured_media":23384,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"csco_singular_sidebar":"","csco_page_header_type":"","csco_page_load_nextpost":"","footnotes":""},"categories":[338],"tags":[112,561],"class_list":{"0":"post-23264","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-accounting","8":"tag-accounting","9":"tag-break-even-analysis","10":"cs-entry"},"_links":{"self":[{"href":"https:\/\/open.money\/blog\/wp-json\/wp\/v2\/posts\/23264","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/open.money\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/open.money\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/open.money\/blog\/wp-json\/wp\/v2\/users\/55"}],"replies":[{"embeddable":true,"href":"https:\/\/open.money\/blog\/wp-json\/wp\/v2\/comments?post=23264"}],"version-history":[{"count":8,"href":"https:\/\/open.money\/blog\/wp-json\/wp\/v2\/posts\/23264\/revisions"}],"predecessor-version":[{"id":23952,"href":"https:\/\/open.money\/blog\/wp-json\/wp\/v2\/posts\/23264\/revisions\/23952"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/open.money\/blog\/wp-json\/wp\/v2\/media\/23384"}],"wp:attachment":[{"href":"https:\/\/open.money\/blog\/wp-json\/wp\/v2\/media?parent=23264"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/open.money\/blog\/wp-json\/wp\/v2\/categories?post=23264"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/open.money\/blog\/wp-json\/wp\/v2\/tags?post=23264"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}