Free Tools
Free CFO Tools for Small Business Owners.
You Make Stuff.
You Do Stuff.
You Sell Stuff.
Do You Know If You Are Actually Keeping Any Of It?
Most owners run their business on a tax model. They minimize today and steal from tomorrow. These three free tools show you what the profit model looks like. No accountant required. No jargon. Just the truth about your business.
What these tools will show you
Every owner-operated business under $5M has some version of these five problems. These three tools surface them.
- The Cash Flow Trap. Revenue is fine. The bank account is not.
- The Owner Pay Gap. You pay yourself last.
- The Breakeven Lie. Your CPA's breakeven leaves you out.
- Profit Leaks. Labor, marketing, or management.
- The Scaling Blind Spot. No model for the next hire or price.
The tools below help you see the first four. The fifth needs the full Profit System.
New here? Start with the 2-minute report.
You Run Everything. Except Your Own Paycheck.
The Owner Take Home Pay Report. 12 questions. 3 categories. Your score in 2 minutes.
Take the Owner Take Home Pay Report →Tax Bracket Truth Calculator
"I don't want to make more because I'll just move into a higher tax bracket." Heard that before? It's wrong. This calculator proves it. Free download.
Two inputs. The math always wins.
Inputs: current taxable income, new taxable income.
Outputs: bracket-by-bracket tax breakdown, effective rate, and how much more you actually keep.
Easy Numbers P&L
Download the same P&L framework I use for every client. Normalize your numbers. See your real breakeven, your Owner Pay Gap in dollars, and your three Productivity Ratio scores.
See Your Business The Way A CFO Sees It. Free.
Pick the version that matches what your business does. Fill in your numbers. See your real picture for the first time.
- Owner Pay Gap shown
- Real breakeven, not the CPA version
- Three Productivity Ratio scores that show where the leaks are
- Monthly dashboard. Color coded. Blue inputs.
Not sure which one? Book 15 minutes and I will help you pick. Free.
Direct LPR 2.92x. MPR 11.7x. Pretax 14%.
Owner Pay $60,000 total. Already in. Not added back.
Concierge Review
Not a sales call. Not a pitch. I pull your numbers, run them through the Easy Numbers framework, and hand you back the truth about your business in 15 minutes. Free.
I Will Run Your Numbers For You. Free. No Pitch.
That is what 15 minutes with the right framework looks like. The P&L Review answers five diagnostic questions. If you want me to do the same for your business, reach out.
- Is your labor making money?
- Is your marketing making money?
- Is your management being productive?
- How has your revenue trended year over year?
- How has your profitability trended year over year?
Not a sales call. Not a proposal. Not a pitch.
Nick, The Fractional CFO.