Enter your monthly costs by category. The tool calculates key financial ratios and identifies where cash may be leaking — including the subscription creep and overhead ratios that most small business owners never track.
📐 Methodology: This tool applies the direct cash flow method used in , funded in part by the US Small Business Administration. All outputs are estimates based on your inputs and do not constitute financial advice. Consult a qualified accountant or financial advisor before making business decisions. Learn more about the methodology →
MONTHLY REVENUE AND PAYROLL
$
Total cost to employ your team including FICA
$
$
Every recurring tool, platform, licence — add them all up
$
OTHER MONTHLY COSTS
Materials, direct labour, fulfilment — what it costs to deliver
$
$
$
Insurance, utilities, professional fees, travel, miscellaneous
$
Where Your Money Goes
Spend vs. Revenue Ratios
Full Cost Breakdown
Key Ratios and Benchmarks
Where Cash May Be Leaking
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