Free to Start

Financial Planning for Small-Business Owners

Build a business that delivers the after-tax cash you need for your lifestyle goals while only doing the parts you enjoy.

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A cash flow walk: $100,474 of revenue from coaching and a course, less direct costs, marketing and admin, to $82,171 of business cash flow, then benefits and tax to $62,611 for the owner
$62,611 What the demo business left its owner after tax, from $100,474 of sales
Built to Answer
  • What does my business need to pay me?
  • Where does the money go?
  • How do I compare to my industry?
  • Does a hire pay for itself?
  • Where do the next two years lead?
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Four Tools, One Order

Audit, Diagnose, Decide, Forecast

Personal Audit · Free

Ground your business planning in your current household financials.

Account for your household finances and lifestyle goals to quantify the gap from where you are now to where you want to be.

  • Expenses, savings goals, big purchases ahead, and taxes — in one place
  • Taxes worked out for your state and filing status, not a flat guess
  • Every forecast and strategy on the platform is measured against this number
Learn More
A personal audit ending in $20,043 a month: income, expenses, a 20% buffer and tax against a $20,000 goal
Business Diagnostic · Free

Understand and benchmark your cash flow like an investor.

Upload however you track your finances. No setup, no chart of accounts to build first.

  • Statements, a spreadsheet, or a bookkeeping export — we read them for you
  • Your money walked from sales down to what you keep after tax
  • A scorecard that grades every line against others in your industry
Learn More
A cash flow walk: $100,474 of revenue from coaching and a course, less direct costs, marketing and admin, to $82,171 of business cash flow, then benefits and tax to $62,611 for the owner
Strategic Decisions · Try free, full with a plan

Make quick and confident decisions, backed by numbers you trust.

A menu that covers every decision an owner faces, each one focused and structured so you understand it in depth.

  • Pricing, a hire, a new product, debt or costs, or a decision you shape yourself
  • One move at a time, walked from sales to what reaches you after tax
  • The reasoning behind every change, and a task board to carry it out
Learn More
A price rise walked from revenue to the owner's take-home in current, change and scenario columns, ending in $6,826 more a year
Forecasting · Try free, full with a plan

Build a business where you only do the parts you love.

Right now you probably do everything. Design what the business looks like when you don't, and map how to get there.

  • Start from the after-tax income your household needs
  • Design month 24: what you sell, what it costs and who does the work
  • Draw the path month by month so you start fully prepared
  • Extend to years 3–5, maturing from a business to an enterprise
Learn More
A 24-month timeline with break-even in month 1 and the income target reached in month 20, above total value crossing the target line
“Cash flow wasn’t in my head: the timing of expenses and payments. I thought it was just start a business and you make money, but this ramp and forecast I never thought about.”
Pat Pre-Launch
All Client Reviews
On Your Own Numbers

The Questions Owners Bring

What does my business need to pay me?

Your household's bills, savings and tax, turned into the monthly income the business has to provide.

Personal Audit

Where does the money go?

Every dollar walked from sales through costs, loans and tax to what you keep.

Business Diagnostic

Are my margins normal for my industry?

Each number graded from Lagging to Excellent against businesses that sell what you sell.

Business Diagnostic

Raise prices, or hire first?

Each move priced on a copy of your numbers, with the reasoning and a task board to carry it out.

Strategic Decisions

What will I owe in tax?

Federal, self-employment and state tax estimated on your numbers, and how each one is worked out.

Business Diagnostic

How do I turn all my ideas into a two-year roadmap?

Each idea placed month by month on one plan, with the cash it needs and the month the business pays you what you need.

Forecasting
Occam, AI Advisor

You Don't Need a Finance Background

Occam reads the same screen you do and answers in plain words, so the answer is about your business, not businesses in general.

On every screenReads your numbersAny paid plan
Hire an Assistant
  1. You

    Does a 10-hour-a-week assistant pay for themselves here?

  2. Occam

    In this scenario, yes. The assistant costs $12,000 a year. The hours they take off your plate become 6 more coaching clients ($13,320) and 20 more course sales ($3,940), about $17,260 of new sales a year. The coaching spots alone cover the cost; the course is upside.

Common Questions

What's free?

The personal audit, reading your files, the walk from sales to what you keep and your overall score, with no account needed to start. Detailed grades, forecast results and the AI advisor come with a paid plan.

Do my books have to be clean first?

No. Upload the spreadsheets and exports you already have, or type the numbers in; they are read as they are. Nothing here keeps your books or files a return, so your bookkeeper and CPA stay.

Does it connect to QuickBooks, Xero or my bank?

There's no live connection. Export a report from your bookkeeping software or bank and upload the file, or enter the numbers by hand.

Can I talk to a person?

Yes. Send us a note from the contact page. If you already work with a consultant, their firm can work in your account with you, on your numbers, already in.

Is my data safe?

Encrypted in transit and at rest, never used to train AI, and no Social Security, EIN or account numbers are ever asked for. Every protection, in full.

Start With the Numbers You Already Have

Drop in your books and see what the business pays you, how it compares and what each decision does to your cash.

Start For Free See Pricing