Free Tools
Financial clarity for small-business owners.
Nine calculators built by bookkeepers and a 40-year banking veteran. No signup, no email required for most — just the numbers you need to run your business. Two tools (the 13-Week Cash Flow Forecast and IOLTA Compliance Check) ask for your name and email so we can send your results.
Business Health
Business Health Check
Ten questions, three minutes. Get a graded snapshot across books, cash, profit, debt, and controls — plus the three fixes that matter most.
Open toolCash Flow
Cash Flow Calculator
See your net monthly cash flow, your reserve cushion, and where your bank balance is headed over the next six months.
Open toolCash Flow
13-Week Cash Flow Forecast
The rolling forecast lenders and CFOs use in a turnaround. Weekly inflows and outflows, ending bank balance every week, and a flag for the week you'd dip below your safety floor.
Name & email required to receive results
Open toolFinancing
Loan Affordability (DSCR)
How much can your business actually borrow? Uses the same debt-service-coverage method lenders apply in underwriting.
Open toolPricing & Profit
Profit Margin Calculator
Gross, operating, and net margin from one month of numbers — plus the revenue or cost cut you'd need to hit your target margin.
Open toolPricing & Profit
Break-Even Calculator
Find the exact sales volume and revenue where your business starts making money — and how far sales can fall before losses.
Open toolBookkeeping
True Cost of DIY Bookkeeping
Doing your own books feels free. Put a real number on the hours, errors, and missed deductions — then compare.
Open toolConstruction
Job Profitability Calculator
Is that job actually making money? Includes the overhead allocation most contractors forget — plus your break-even bid price.
Open toolLaw Firms
IOLTA Compliance Check
Ten questions covering the trust-account controls bar auditors actually check — from three-way reconciliation to record retention.
Name & email required to receive results
Open tool