services
Our Profit Model
You’re in.
Start with cash first.

Use this first to see what is actually safe to spend before your next check-in.

Need help? Book a call
Track cash first
Use this to see what is actually safe to spend before your next check-in.
Safe to spend before next check-in
$0
Daily guide: $0/day
Cash status: Amber Cover: 0 weeks
This week’s rule
Enter your numbers to see your rule.
Protect profit next
Do this before pricing. If profit is leaking, more sales can make the problem worse.
Tool 1: Overhead limit check
Your overhead limit
$0
Over / under the limit
$0
Tool 2: Break-even check
Break-even sales needed
$0
Gap vs current sales
$0
Then fix pricing and sales
Only do this after cash and profit are under control.
Tool 1: Discount check
Extra volume needed to stand still
0%
Tool 2: Minimum price
Minimum price
$0
Below this, you are paying to work.
You’ve checked cash, profit, and revenue
Now you can see the gap. The next step is fixing the system.

The free CPR tools help you spot where money may be leaking. But if you still need to type numbers manually, your Xero is not yet set up to guide weekly decisions.

Best next step

Profit-Ready Xero Setup

Get your Xero set up with the right accounts, weekly money rules, and simple reports so cash, profit, and revenue are easier to track.

See the setup option
Not ready for setup yet? Keep using the free tools.
The warning sign is this: if you need to keep guessing every week, the system needs fixing.
Want the simpler diagnostic path? Take the CPR Diagnostic.
You’ve checked cash, profit, and revenue
Now you can see the gap. The next step is fixing the system.

The free CPR tools help you spot where money may be leaking. But if you still need to type numbers manually, your Xero is not yet set up to guide weekly decisions.

Best next step

Profit-Ready Xero Setup

Get your Xero set up with the right accounts, weekly money rules, and simple reports so cash, profit, and revenue are easier to track.

See the setup option
Need guidance?

CFO Advisory

Use the numbers to make better decisions on cash, profit, pricing, spending, and revenue targets.

See advisory option
Not ready for setup yet? Keep using the free tools.
The warning sign is this: if you need to keep guessing every week, the system needs fixing.
Want the simpler diagnostic path? Take the CPR Diagnostic.
Want more than manual input?
Upgrade when you want more control

Use the free version first. Upgrade only when you want setup help, more structure, or ongoing guidance.

Fastest win

Profit-Ready Setup

Get the 3-account setup and weekly money rules installed properly.

See setup option
Deeper support

CFO Advisory

Get ongoing cash, profit, and revenue guidance when you want more than DIY tools.

See advisory option
Not ready to upgrade? That’s fine. Keep using the free tools first.
Want the simpler diagnostic path? Take the CPR Diagnostic.
About • Services • Money Monday • Contact • Privacy
Business enquiries: hello@cfo.sg

The free toolkit shows you the leak. Your Xero setup should help you fix it.

The toolkit gives you a quick snapshot of your cash, profit, and revenue gaps. But if you need to type everything manually every time, the real issue is still there: your numbers are not set up to guide weekly decisions.

That is what the Profit-Ready Xero setup is built to fix.

See how Profit-Ready Xero works
You’ve checked cash, profit, and revenue
Now you can see the gap. The next step is fixing the system.

The free CPR tools help you spot where money may be leaking. But if you still need to type numbers manually, your Xero is not yet set up to guide weekly decisions.

Best next step

Profit-Ready Xero Setup

Get your Xero set up with the right accounts, weekly money rules, and simple reports so cash, profit, and revenue are easier to track.

See the setup option
Need guidance?

CFO Advisory

Use the numbers to make better decisions on cash, profit, pricing, spending, and revenue targets.

See advisory option
Not ready for setup yet? Keep using the free tools.
The warning sign is this: if you need to keep guessing every week, the system needs fixing.
Want the simpler diagnostic path? Take the CPR Diagnostic.
Free Xero Profit-Readiness Training
Free 15-minute training: Check if your Xero is profit-ready
Free 15-minute Xero training

Is your Xero profit-ready?

Your Xero may be updated, reconciled, and still not helping you make better money decisions.

Watch this short training to check the 3 warning signs most business owners miss.

Start the free training
Phone mockup showing CPR Compass cash profit and revenue dashboard
Free 15-minute training

Is your Xero profit-ready?

Your Xero may be updated, reconciled, and still not helping you make better cash, profit, and revenue decisions.

CFOSg 1 / 11
The painful truth

Your bank balance can lie.

That money may already belong to bills, payroll, GST, tax, or supplier payments.

The money is there.

But it may not be safe to spend.

Cash is not the same as clarity 2 / 11
The real problem

Updated accounts do not always mean useful decisions.

Xero can record what happened. But business owners still need to know what to do next.

Clean books are good.

Clear money decisions are better.

Reports are not the same as decisions 3 / 11
Warning sign 1

You do not know your safe-to-spend cash.

You may see cash in the bank, but still not know how much is actually available after upcoming commitments.

This is where accidental overspending starts.

Bank balance is not your spending guide 4 / 11
Warning sign 2

You do not know if the business can pay you properly.

If profit is not protected first, the owner usually becomes the last person paid.

Profit disappears quietly. Then the owner pays the price.

Owner pay needs profit clarity 5 / 11
Warning sign 3

You do not know your revenue floor.

More sales are not always the answer. You need to know the minimum revenue needed to cover costs and protect profit.

Busy sales can still create cash stress.

Revenue must be useful, not just active 6 / 11
Quick reality check

Can your Xero answer this without digging?

Score cash, profit and revenue separately. Then add the 3 scores.

0

No idea

I would need to guess or ask someone.

1

Needs digging

The answer is there, but not easy to see.

2

Clear answer

I can decide quickly without guessing.

0–2 Mostly guessing
3–4 Partial clarity
5–6 Close to profit-ready
Cash score + profit score + revenue score = your total 7 / 11
The simple check

The CPR Compass™

A simple way to turn Xero numbers into weekly money decisions.

Cash

Can I spend?

Profit

Can I pay myself?

Revenue

Is enough coming in?

Cash moves. Profit pays you. Revenue comes in. 8 / 11
Check your Xero

Your Xero may not be profit-ready if...

Cash is unclear

You still spend based on bank balance.

Owner pay is random

You do not know if the business can pay you.

Revenue feels busy

Sales look active, but cash still feels tight.

The problem may be the setup, not your effort 9 / 11
What happens next

We help you find the first money gap to fix.

In the demo, we do not overwhelm you with reports. We look at where your Xero is not helping you decide.

You leave knowing whether your biggest issue is cash clarity, owner pay, or revenue pressure.

Simple diagnosis before deeper setup 10 / 11
Final step

Stop guessing from your bank balance.

Turn Xero into a weekly decision system for cash, profit, and revenue.

Book your Profit-Ready Xero demo
CFOSg 11 / 11
Free download

What Xero does not show you clearly

Xero shows numbers. This cheat sheet shows the decision gaps owners often miss.

Cash

Is this money really safe to spend?

Profit

Can the business pay you?

Revenue

Is enough money coming in?

Download the 1-page cheat sheet

See the common Xero decision gaps business owners miss before cash gets messy.

Download the cheat sheet
Free Xero Profit-Readiness Training
Free 15-minute training: Check if your Xero is profit-ready
Without more reports, spreadsheets, or accounting jargon

Your Xero may be clean.
Your money decisions may still be messy.

A short training for Xero users who want to know what they can spend, whether the business can pay them, and whether enough money is really coming in.

Your bank balance is a terrible business advisor.

▶
Start the free training
What you will check

3 money gaps your Xero may not make obvious

This is not a full Xero tutorial. It is a quick decision check to see whether your numbers are helping you run the business.

Cash clarity
Owner pay
Revenue pressure
Free 15-minute training

Your Xero may be clean. But is it decision-ready?

In a few minutes, check whether your Xero helps you answer 3 money questions.

Can I spend?

Can I pay myself?

Is enough coming in?

CFOSg 1 / 11
The painful truth

Your bank balance can lie.

That money may already belong to bills, payroll, GST, tax, or supplier payments.

The money is there.

But it may not be safe to spend.

Cash is not the same as clarity 2 / 11
The real problem

Clean books do not guarantee clear decisions.

Xero can record what happened. You still need to know what to do next.

Reports show numbers.

Owners need answers.

Reports are not the same as decisions 3 / 11
Trap 1

You spend from a number that is not really yours.

Bank balance feels simple. That is the problem.

Some of that cash already has a job.

Bank balance is not your spending guide 4 / 11
Trap 2

The owner becomes the last person paid.

Everyone else gets paid first. Then you hope there is enough left.

Profit disappears quietly.

Then the owner pays the price.

Owner pay needs profit clarity 5 / 11
Trap 3

Sales look busy. Cash still feels tight.

More sales are not always the fix if the revenue is late, weak, or not enough.

Busy revenue can still create cash stress.

Revenue must be useful, not just active 6 / 11
Quick reality check

Can your Xero answer this without digging?

Score cash, profit and revenue separately. Then add the 3 scores.

0

No idea

I would need to guess or ask someone.

1

Needs digging

The answer is there, but not easy to see.

2

Clear answer

I can decide quickly without guessing.

0–2 Mostly guessing
3–4 Partial clarity
5–6 Close to profit-ready
Cash score + profit score + revenue score = your total 7 / 11
The simple check

The CPR Compass™

A simple way to turn Xero numbers into weekly money decisions.

Cash

Can I spend?

Profit

Can I pay myself?

Revenue

Is enough coming in?

Cash moves. Profit pays you. Revenue comes in. 8 / 11
Check your Xero

Your Xero may not be profit-ready if...

Cash is unclear

You still spend based on bank balance.

Owner pay is random

You do not know if the business can pay you.

Revenue feels busy

Sales look active, but cash still feels tight.

The problem may be the setup, not your effort 9 / 11
What happens next

Find the first money gap to fix.

In the demo, we do not overwhelm you with reports. We look at where your Xero is not helping you decide.

You leave knowing whether your biggest issue is cash clarity, owner pay, or revenue pressure.

Simple diagnosis before deeper setup 10 / 11
Final step

Stop treating bank balance like a business plan.

Turn Xero into a weekly decision system for cash, profit, and revenue.

Book your Profit-Ready Xero demo
CFOSg 11 / 11
Free download

What Xero does not show you clearly

Xero shows numbers. This cheat sheet shows the decision gaps owners often miss.

Cash

Is this money really safe to spend?

Profit

Can the business pay you?

Revenue

Is enough money coming in?

Download the 1-page cheat sheet

See the common Xero decision gaps business owners miss before cash gets messy.

Download the cheat sheet