ROI Calculators

Use these quick calculators to estimate payback and ROI for each step. Results are directional and depend on your inputs.

Planning estimate only: the profit improvement % can come from pricing discipline, cost control, and reducing profit leaks — not just increasing sales.

CFO Retainer — ROI Calculator ($5,000/mo)

Model annual ROI from pricing discipline, operational fixes, and waste reduction.

Example below uses $200,000/month sales and 3% profit improvement. At this level, break-even is only 2.5% profit lift.

$
Quick examples:
$
Tip: Start with “Typical” during demos, then adjust to the client’s actual sales level.
Results
Monthly profit gain:
Annual profit gain (×12):
Annual ROI multiple (vs annual fees):
Break-even profit lift needed:
Payback time (to cover 1 month fee):
What this means: —
This is an estimate for planning and discussion, not a guarantee of results.

How the profit improvement % is estimated (and why it is not “magic”)

The % in the calculator is a planning estimate — not a guarantee. It models what can happen when small improvements stack across pricing, spending control, and weekly money decisions.

Where the improvement can come from
  • Pricing discipline: reduce unnecessary discounts or underpricing
  • Cost control: catch overspending and recurring waste earlier
  • Cash decisions: regular review helps stop “one bank balance” guessing
  • Operational fixes: faster action on what is actually causing leaks
Why this can be realistic
  • Profit often improves without needing a big sales jump
  • When money is separated and reviewed regularly, owners usually become more selective with spending
  • It is often possible to reduce or reallocate part of discretionary or poorly controlled spending
  • The goal is not random cost-cutting — it is reducing waste and protecting what drives results
Example of a 3% profit improvement
  • +1.0% from pricing / discount control
  • +1.0% from cost leakage reduction (wasteful spending, duplicate tools, weak controls)
  • +1.0% from better weekly money decisions and faster action

A 3% profit improvement does not need one big miracle. It can come from several smaller improvements added together.

Use this calculator as a decision tool: test break-even and planning scenarios first, then adjust the inputs using your real numbers during the call.

CFO Retainer — ROI Calculator ($5,000/mo)

Model annual ROI from operational discipline, pricing moves, and waste cuts.

$
$
Results
Monthly profit gain:
Annual profit gain (×12):
Annual ROI multiple (vs annual fees):
Break-even profit lift needed:
Payback time (to cover 1 month fee):
What this means: —

Where profit improvement usually comes from (by business type)

Use these as planning examples to justify the calculator range. They show how small fixes can stack — not one big “miracle” change.

Service Business
2%–5%
Agency / Consultant / Professional Firm
  • Underpricing legacy clients that were never reviewed
  • Discounting to close deals without margin guardrails
  • Over-servicing scope without charging for extra work
  • Recurring tools / contractor costs not reviewed regularly
Example stack: +1% pricing cleanup + 1% discount control + 1% cost review
No need to double sales. Often the first win is charging better and stopping quiet leakage.
Retail / E-commerce
1%–4%
Shop / Online Store / Multi-channel Retail
  • Promos and discounts run without margin checks
  • Slow-moving stock tying up cash and shelf space
  • Ad spend driving sales but weak profit quality
  • Low-margin sales mix crowding out better items
Example stack: +1% promo control + 0.5% better product mix + 0.5% cost reduction
More sales does not always mean more profit. Margin quality matters.
F&B
2%–6%
Restaurant / Cafe / Food Business
  • Food waste / over-portioning repeating daily
  • Promo creep that becomes the “normal” price
  • Popular menu items with poor gross margin
  • Purchasing not reviewed weekly until cash gets tight
Example stack: +1% wastage control + 1% pricing/promo control + 1% purchasing discipline
A small margin improvement in F&B can make a big difference because the leak repeats every day.

How the profit improvement % is estimated (and why it is not “magic”)

The % in the calculator is a planning estimate — not a guarantee. It is meant to model what can happen when small business fixes stack together.

How small gains can stack
  • Pricing discipline: reduce unnecessary discounts or underpricing
  • Cost control: catch overspending and recurring waste earlier
  • Cash decisions: weekly review helps stop “one bank balance” guessing
  • Operational fixes: faster action on what is actually causing leaks
Example of a 3% improvement
  • +1.0% from pricing / discount control
  • +1.0% from cost leakage reduction
  • +1.0% from better weekly money decisions

A 3% profit improvement does not need one big miracle. It can come from several smaller improvements added together.

Use this calculator as a decision tool: test break-even and planning scenarios first, then adjust the inputs using your real numbers during the call.

CFO Retainer — ROI Calculator ($5,000/mo)

Model annual ROI from pricing discipline, operational fixes, and waste reduction.

Example below uses $200,000/month sales and 3% profit improvement. At this level, break-even is only 2.5% profit lift.

$
Quick examples:
$
Tip: Start with “Typical” during demos, then adjust to the client’s actual sales level.
Results
Monthly profit gain:
Annual profit gain (×12):
Annual ROI multiple (vs annual fees):
Break-even profit lift needed:
Payback time (to cover 1 month fee):
What this means: —

CFO Retainer — ROI Calculator ($5,000/mo)

Model annual ROI from operational discipline, pricing moves, and waste cuts.

$
$
Results
Monthly profit gain:
Annual profit gain (×12):
Annual ROI multiple (vs annual fees):
Break-even profit lift needed:
Payback time (to cover 1 month fee):
What this means: —

Which calculator should I use?

  • Start with Audit + Fix if you want a low-risk first step and a clear action plan.
  • Use Fix Cash if cash feels tight and you want to test payback from released cash + weekly improvement.
  • Use Grow Profit if sales are already moving but profit is leaking.
  • Use Scale Revenue (CFO Retainer) if you want ongoing support and want to model bigger monthly improvements.

These calculators are planning tools for discussion. They use your assumptions and do not guarantee results.

Not sure which calculator fits your business?

Book a short call and we’ll pick the right one together, test a realistic scenario, and identify your best next step.

Book a Call

Audit + Fix

  • Title: Audit + Fix

  • Description: A 1-page audit + action map. See if small fixes can pay back fast.

  • Button: Open Audit + Fix ROI ↗

Fix Cash

  • Title: Fix Cash

  • Description: Estimate cash released + weekly cash improvement from a cash-fix sprint.

  • Button: Open Fix Cash ROI ↗

Grow Profit

  • Title: Grow Profit

  • Description: Model profit lift from small improvements in pricing, costs, and profit leaks.

  • Button: Open Grow Profit ROI ↗

Scale Revenue (CFO Retainer)

  • Title: Scale Revenue (CFO Retainer)

  • Description: Model ROI from ongoing CFO support using monthly sales and profit improvement.

  • Button: Open Scale Revenue ROI ↗

6) Sales-call cheat sheet (for you, not public)

Use this when talking to prospects.

  • If they say: “Cash is tight”

    • Start with: Fix Cash ROI

    • Show first: Payback time + Net 90-day cash

  • If they say: “Sales ok but no profit”

    • Start with: Grow Profit ROI

    • Show first: Monthly profit gain + Payback

  • If they say: “I don’t know what to fix first”

    • Start with: Audit + Fix ROI

    • Show first: Payback + “small improvement” scenario

  • If they say: “We need ongoing support / team accountability”

    • Start with: Scale Revenue (CFO Retainer) ROI

    • Show first: Break-even lift needed + Annual ROI multiple

7) Suggested order on page (best flow)

  1. ROI section headline + intro

  2. ROI cards/grid

  3. “Which calculator should I use?” mini guide

  4. Shared disclaimer

  5. CTA block

8) Tiny wording cleanup for consistency (recommended)

Since you renamed one card, use the same pattern on all buttons:

  • Open Audit + Fix ROI ↗

  • Open Fix Cash ROI ↗

  • Open Grow Profit ROI ↗

  • Open Scale Revenue ROI ↗

(Keep the card title as “Scale Revenue (CFO Retainer)” but button can stay shorter.)

9) Optional stronger headline alternatives (pick one)

If you want more punch:

  • ROI Calculators (Estimate Payback Before You Buy)

  • Estimate Payback for Each Step

  • Run the Numbers First

  • Test the ROI Before You Commit

My recommendation for your audience:

  • ROI Calculators

  • subtext: Use these quick calculators to estimate payback and ROI for each step.

ROI Calculators

Use these quick calculators to estimate payback and ROI for each step. Results are directional and depend on your inputs.

Audit + Fix

A 1-page audit + action map. See if small fixes can pay back fast.

Open Audit + Fix ROI ↗

Fix Cash

Estimate cash released + weekly cash improvement from a cash-fix sprint.

Open Fix Cash ROI ↗

Grow Profit

Model profit lift from small improvements in pricing, costs, and profit leaks.

Open Grow Profit ROI ↗

Scale Revenue (CFO Retainer)

Model ROI from ongoing CFO support using monthly sales and profit improvement.

Open Scale Revenue ROI ↗

Which calculator should I use?

  • Start with Audit + Fix if you want a low-risk first step and a clear action plan.
  • Use Fix Cash if cash feels tight and you want to test payback from released cash + weekly improvement.
  • Use Grow Profit if sales are already moving but profit is leaking.
  • Use Scale Revenue (CFO Retainer) if you want ongoing support and want to model bigger monthly improvements.

These calculators are planning tools for discussion. They use your assumptions and do not guarantee results.

Not sure which calculator fits your business?

Book a short call and we’ll pick the right one together, test a realistic scenario, and identify your best next step.

Book a Call

Tip: Keep calculator section names and anchor IDs exactly the same as your calculator blocks above/below this section.

Frequently Asked Questions

Common questions about the ROI calculators, the call, and which next step to choose.

Are the ROI calculator results guaranteed?

No. These calculators are planning tools for discussion.

They use your assumptions (or a scenario we test together) to estimate payback and ROI. They are meant to help you decide whether a next step looks financially sensible — not to promise a result.

How do you estimate the profit improvement %?

We use a conservative planning assumption first, not a “best case” number.

The improvement does not have to come only from more sales. It can come from:

  • better pricing discipline (less unnecessary discounting)
  • cutting waste and duplicate spending
  • improving margin mix
  • better weekly spending decisions
  • stopping profit leaks

If you’re unsure, we can reduce the assumption and test a smaller number.

Which ROI calculator should I use first?

A simple way to choose:

  • Audit + Fix — if you’re not sure what to fix first
  • Fix Cash — if cash feels tight now and you need breathing room
  • Grow Profit — if sales are moving but profit is leaking
  • Scale Revenue (CFO Retainer) — if you want ongoing support and bigger decisions/accountability

If you’re unsure, start with the call and we’ll choose the right one together.

What if I’m not using Xero yet?

That’s okay. You can still use the calculators and still book a call.

The calculators are based on business numbers and assumptions — not on Xero alone. If Xero setup is part of your next step, we can discuss that after identifying the real bottleneck first (cash, profit, or revenue).

Do I need to prepare numbers before the call?

No prep is required.

If you have rough numbers (monthly sales, cash pressure, profit concerns), that helps. But we can still have a useful call without perfect figures.

The goal of the call is clarity first — not a perfect forecast.

What’s the difference between Audit + Fix, Fix Cash, Grow Profit, and CFO Retainer?

  • Audit + Fix — a smaller first step to identify what to fix and what to do next
  • Fix Cash — focused on cash relief and weekly cash control
  • Grow Profit — focused on improving what you keep (pricing, costs, leaks) over a support period
  • Scale Revenue (CFO Retainer) — ongoing CFO support for recurring decisions, accountability, and growth planning

Think of it as a ladder: clarity → cash control → profit improvement → ongoing CFO support.

Can I start with a smaller step first?

Yes — and that is often the best move.

Many business owners start with a smaller step (like Audit + Fix) to get clarity and confidence before deciding whether to move into Fix Cash, Grow Profit, or retainer support.

A smaller right step is usually better than a bigger wrong one.

What if I want to DIY after the audit?

That’s fine.

The audit can still be valuable because it gives you a clearer action plan and helps you avoid fixing the wrong problem first.

Some clients DIY after the audit. Others decide they want support to implement faster and more cleanly.

Why not just use my bank balance to decide?

Most business owners do that because they’re busy — you’re not alone.

The problem is: your bank balance shows what is there, but not always what is safe to spend.

That’s how profit gets eaten even when sales look okay.

How fast can I see results?

It depends on the issue and the action taken.

Some cash fixes can improve visibility or cash position relatively quickly. Profit and revenue improvements usually take longer because they involve decisions, behavior, and implementation.

That’s why we focus on the right first lever instead of trying to fix everything at once.

Still not sure which step fits your business?

Book a short call and we’ll identify whether your main bottleneck is cash, profit, or revenue — then test one practical next step.

Book a Call

Tip: Keep this FAQ section near your ROI calculators and booking CTA so visitors can answer objections before leaving the page.

Frequently Asked Questions

Common questions about the ROI calculators, the call, and which next step to choose.

Are the ROI calculator results guaranteed?

No. These calculators are planning tools for discussion.

They use your assumptions (or a scenario we test together) to estimate payback and ROI. They help you assess whether a next step looks financially sensible — not to promise a result.

How do you estimate the profit improvement %?

We use a conservative planning assumption first, not a best-case number.

The improvement can come from:

  • better pricing discipline
  • cutting waste / duplicate spending
  • margin mix decisions
  • better weekly spending decisions
  • stopping profit leaks

If needed, we reduce the assumption and test a smaller number.

Which ROI calculator should I use first?
  • Audit + Fix — not sure what to fix first
  • Fix Cash — cash feels tight now
  • Grow Profit — sales okay, profit leaking
  • Scale Revenue (CFO Retainer) — ongoing support and bigger decisions

If unsure, book the call and we’ll choose the right one together.

What if I’m not using Xero yet?

That’s okay. You can still use the calculators and book a call.

We focus on the real bottleneck first (cash, profit, or revenue), then discuss the right setup.

Do I need to prepare numbers before the call?

No prep is required.

Rough numbers help, but the goal is clarity first — not a perfect forecast.

What’s the difference between Audit + Fix, Fix Cash, Grow Profit, and CFO Retainer?
  • Audit + Fix — smaller first step for clarity and action map
  • Fix Cash — cash relief + weekly cash control
  • Grow Profit — improve what you keep over a support period
  • Scale Revenue (CFO Retainer) — ongoing CFO support for recurring decisions and accountability

Simple ladder: clarity → cash control → profit improvement → ongoing CFO support.

Can I start with a smaller step first?

Yes — often that is the best move.

A smaller right step is usually better than a bigger wrong one.

What if I want to DIY after the audit?

That’s fine.

Some clients DIY after getting clarity. Others want support to implement faster and more cleanly.

Why not just use my bank balance?

Most owners do that because they’re busy.

The issue is the bank balance shows what is there, but not always what is safe to spend. That’s how profit gets eaten even when sales look okay.

How fast can I see results?

It depends on the issue and the action taken.

Some cash improvements can happen faster. Profit and revenue improvements usually take longer because they need implementation and behavior changes.

Still not sure which step fits your business?

Book a short call and we’ll identify whether your main bottleneck is cash, profit, or revenue — then test one practical next step.

Book a Call

Frequently Asked Questions

Common questions about the ROI calculators, the call, and which next step to choose.

Are the ROI calculator results guaranteed?

No. These calculators are planning tools for discussion.

They use your assumptions (or a scenario we test together) to estimate payback and ROI. They help you assess whether a next step looks financially sensible — not to promise a result.

How do you estimate the profit improvement %?

We use a conservative planning assumption first, not a best-case number.

The improvement can come from:

  • better pricing discipline
  • cutting waste / duplicate spending
  • margin mix decisions
  • better weekly spending decisions
  • stopping profit leaks

If needed, we reduce the assumption and test a smaller number.

Which ROI calculator should I use first?
  • Audit + Fix — not sure what to fix first
  • Fix Cash — cash feels tight now
  • Grow Profit — sales okay, profit leaking
  • Scale Revenue (CFO Retainer) — ongoing support and bigger decisions

If unsure, book the call and we’ll choose the right one together.

What if I’m not using Xero yet?

That’s okay. You can still use the calculators and book a call.

We focus on the real bottleneck first (cash, profit, or revenue), then discuss the right setup.

Do I need to prepare numbers before the call?

No prep is required.

Rough numbers help, but the goal is clarity first — not a perfect forecast.

What’s the difference between Audit + Fix, Fix Cash, Grow Profit, and CFO Retainer?
  • Audit + Fix — smaller first step for clarity and action map
  • Fix Cash — cash relief + weekly cash control
  • Grow Profit — improve what you keep over a support period
  • Scale Revenue (CFO Retainer) — ongoing CFO support for recurring decisions and accountability

Simple ladder: clarity → cash control → profit improvement → ongoing CFO support.

Can I start with a smaller step first?

Yes — often that is the best move.

A smaller right step is usually better than a bigger wrong one.

What if I want to DIY after the audit?

That’s fine.

Some clients DIY after getting clarity. Others want support to implement faster and more cleanly.

Why not just use my bank balance?

Most owners do that because they’re busy.

The issue is the bank balance shows what is there, but not always what is safe to spend. That’s how profit gets eaten even when sales look okay.

How fast can I see results?

It depends on the issue and the action taken.

Some cash improvements can happen faster. Profit and revenue improvements usually take longer because they need implementation and behavior changes.

Still not sure which step fits your business?

Book a short call and we’ll identify whether your main bottleneck is cash, profit, or revenue — then test one practical next step.

Book a Call

Profit-Ready Setup vs CFO Retainer

These are not the same thing. One installs the system. The other improves performance with you over time.

Simple way to explain it:
Profit-Ready setup gives you clarity, structure, and weekly money habits.
CFO Retainer is where we work the numbers with you to improve results (cash, profit, and revenue decisions).
Install the system

Profit-Ready Xero Setup

Best for: owners who need money clarity and a weekly operating routine

What it does
  • Separates money so one bank balance stops lying
  • Sets up a simple weekly Money Day rhythm
  • Makes profit visible and easier to protect
  • Reduces guessing and “crazy week” money decisions
What you get
  • Profit-ready account structure and labels
  • Simple transfer routine and spending rules
  • Handover so the routine can continue weekly
  • Clear weekly checklist for the owner / team
How success is measured
  • System installed correctly
  • Weekly routine running consistently
  • Profit transfers / allocations happening
  • Better visibility and faster decisions
Important: This setup does not magically increase profit by itself. It gives you the structure to make better decisions and protect profit.
Improve the numbers

CFO Retainer (Monthly)

Best for: owners who want ongoing help to improve performance and track outcomes

What it does
  • Finds and prioritises the biggest leak / bottleneck
  • Improves decisions on pricing, spending, margin, and timing
  • Tracks what changed and what improved over time
  • Keeps the business from drifting into old habits
What you get
  • Ongoing review of numbers and trends
  • Action priorities (fix first, next, later)
  • Follow-up and accountability
  • Recommendations adjusted as the business changes
How success is measured
  • Profit margin improvement (percentage points)
  • Gross margin / overhead improvements
  • Cash runway / collections improvement
  • Before/after results from Xero reports
This is where ROI discussion makes sense: ongoing CFO work can be tied to tracked performance changes over time (not just setup completion).
Question Profit-Ready Setup CFO Retainer
Will this give me clarity? Yes — that is the main job Yes — plus ongoing analysis
Will this help me build better habits? Yes — weekly operating rhythm Yes — with follow-through and accountability
Will this directly improve profit? Not automatically (depends on decisions after setup) Yes — this is the offer focused on performance improvement work
Can you show ROI? Better framed as clarity / protection / control value Yes — using before/after numbers and tracked improvements
Best sequence for most owners:
Install the system first (Profit-Ready), then improve the results with ongoing CFO support.
Translation:
First we stop the guessing. Then we work on improving the numbers.
Use this section on your page to reduce confusion and stop setup buyers from expecting CFO-retainer-level outcomes.