Financial Decision Tools

Better decisions start with better numbers.

Practical financial tools designed to help business leaders evaluate important decisions quickly—with the context to understand what the numbers mean.

Explore the Tools

Liquidity

Cash Runway

See how long your current cash position can support the business.

Calculate Runway
Cost Structure

Break-Even

Understand the revenue or volume required to cover your costs.

Find Break-Even
Workforce

Hiring Affordability

Evaluate the financial impact of your next hire before making the commitment.

Evaluate a Hire
Profitability

Profit Margin

See how effectively your revenue is translating into profit.

Calculate Margins
Liquidity Tool

Cash Runway Calculator

Estimate how long your current cash position can support the business based on the cash you have available and your average monthly inflows and outflows.

Enter Your Numbers
Cash and cash equivalents available to support operations.
Average cash collected or received during a typical month.
Average operating cash payments during a typical month.

Decision Result

Ready to calculate
Estimated Cash Runway
— months
Enter your numbers to calculate monthly net cash burn.
Use this calculator to estimate how long current cash could support operations if monthly cash patterns remain consistent.
Decision Insight

Your result will include a short planning interpretation based on the estimated runway.

This tool provides a planning estimate and does not replace a detailed cash-flow forecast or professional financial advice.
Cost Structure Tool

Break-Even
Calculator

Determine the revenue or sales volume required to cover your costs—and understand how far your current performance sits above or below that threshold.

Enter Your Numbers
Costs that generally remain stable regardless of sales volume.
Average revenue generated from one unit, sale, client, or transaction.
Costs that typically increase as each additional unit or sale is generated.
Optional for the calculation, but used to compare current performance to break-even.

Decision Result

Ready to calculate
Monthly Break-Even Revenue
—
Enter your numbers to calculate the sales volume required to cover costs.
Break-Even Units
—
Contribution Margin
—
Contribution Margin %
—
Use this calculator to identify the monthly revenue threshold required for your current cost structure to break even.
Decision Insight

Add current average monthly revenue to see whether the business is operating above or below its break-even threshold.

This tool provides a planning estimate and does not replace detailed cost accounting, forecasting, or professional financial advice.
Workforce Tool

Hiring Affordability Calculator

Estimate the true financial impact of your next hire—and understand whether the business can absorb the added cost without creating unnecessary strain.

Enter Your Numbers
Annual cash compensation before employer taxes and benefits.
Estimated employer payroll tax burden as a percentage of salary.
Employer-paid health, retirement, insurance, or similar monthly benefits.
Software, equipment, travel, stipends, workspace, or other recurring costs.
Average monthly revenue before adding the proposed employee.
Current recurring operating expenses before adding the proposed employee.
Used to estimate how the hire could affect cash runway if the business becomes cash-flow negative.

Decision Result

Ready to calculate
Estimated Fully Loaded Cost
— / year
Enter your numbers to estimate the full monthly and annual cost of the proposed hire.
Post-Hire Operating Margin
—
Additional Revenue Needed to Maintain Current Margin
—
Estimated Post-Hire Runway
—
Use this calculator to understand the proposed hire as a business decision—not just a salary expense.
Decision Insight

Your result will compare the new employee cost against current revenue, expenses, margin, and available cash.

This tool provides a planning estimate and does not replace payroll, tax, benefits, forecasting, or professional financial advice.
Profitability Tool

Profit Margin Calculator

See how effectively your revenue is translating into profit—and identify which layer of your cost structure is having the greatest impact on margin.

Enter Your Numbers
Total revenue generated during an average month.
Costs directly tied to producing or delivering your products or services.
Payroll, rent, software, administrative expenses, and other operating costs.
Average monthly financing or debt interest expense.
Estimated monthly income taxes used to approximate net profit.

Decision Result

Ready to calculate
Estimated Net Profit Margin
— net margin
Enter your numbers to see how revenue flows through each layer of profitability.
Gross Margin
—
Operating Margin
—
Net Profit
—
Margin Driver
Calculate your margins to identify where the largest share of revenue is being consumed.
Use this calculator to understand profitability at the gross, operating, and net levels—not just whether the business produced a positive bottom line.
Decision Insight

Your result will show how much of each revenue dollar remains after direct costs, operating expenses, financing costs, and taxes.

This tool provides a planning estimate and does not replace detailed financial statements, tax analysis, cost accounting, or professional financial advice.