Cash (PF-aligned)

1. PF split on “Money in”

   • Profit = money_in_7d × TAP.profit

   • Owner Pay = money_in_7d × TAP.owner

   • Tax = money_in_7d × TAP.tax

   • OPEX = money_in_7d × TAP.opex

2. Bank for bills
   bank_for_bills = bank_now + OPEX

3. Cushion
   cushion = bank_for_bills − must_pay_soon

4. Daily burn
   daily_burn = opex_month / 30

5. Runway (days)
   runway_days = bank_for_bills / daily_burn (if opex_month is 0, runway = 0)

Profit (monthly mix on Real Revenue)

6. Real revenue
   real_revenue = rev_month − dir_costs_month

7. Profit now ($)
   profit_now = max(0, real_revenue − ownerpay_month − tax_month − fixed_opex_month)

8. Percentages (for display)

   • pct_owner = ownerpay_month / real_revenue

   • pct_tax = tax_month / real_revenue

   • pct_opex = fixed_opex_month / real_revenue

   • pct_profit= profit_now / real_revenue
     (Shown as whole % in the UI.)

Scores (simple mode, whole numbers)

9. Cash score

10. Profit score

11. Revenue score

12. Overall type

Transfers to make today

13. From step (1): move the three amounts and keep OPEX in operating:

• Move Profit → Profit account

• Move Owner Pay → Owner Pay account

• Move Tax → Tax account

• Keep OPEX in Operating

If you want me to change any thresholds (e.g., Cash “tight” from 15 days to 30, or margin floor from 30% to 35%), tell me and I’ll adjust the code lines for you.

Sure—here it is in plain, normal text (no code).

What to type in

• Bank now

• Money in (next 7 days)

• Must pay soon (bills you can’t miss)

• Monthly OPEX (your fixed monthly operating costs)

• Monthly revenue

• Direct costs (materials, subs, direct labour)

• Owner pay this month

• Tax set-aside this month

• Fixed OPEX this month

• Average sale price, average cost per sale

• Leads/jobs per month, win rate %

What the tool calculates

Profit First split (on “Money in”)

• Profit = Money in × Profit %

• Owner Pay = Money in × Owner %

• Tax = Money in × Tax %

• OPEX = Money in × OPEX %

Cash (PF-aligned)

• Bank for bills = Bank now + OPEX (from the split above)

• Cushion = Bank for bills − Must pay soon

• Daily burn = Monthly OPEX ÷ 30

• Runway (days) = Bank for bills ÷ Daily burn
  (If Monthly OPEX is 0, runway is 0)

Profit (monthly mix)

• Real revenue = Monthly revenue − Direct costs

• Profit now ($) = Real revenue − Owner pay − Tax − Fixed OPEX

• % Owner = Owner pay ÷ Real revenue

• % Tax = Tax ÷ Real revenue

• % OPEX = Fixed OPEX ÷ Real revenue

• % Profit = Profit now ÷ Real revenue

Scores (simple)

• Cash score

  • If Cushion < 0 → 20

  • Else if Runway < 15 days → 60

  • Else → 100

• Profit score

  • If Real revenue ≤ 0 → 20

  • Else start at 100, then:

    • Subtract 2 points for each percentage point your % Profit is below the target Profit %

    • Subtract 1 point for each percentage point your % OPEX is above the OPEX cap (max 40 points off)

  • Clamp between 0 and 100

• Revenue score

  • Start at 50

  • +25 if margin is OK (1 − Cost/Sale ≥ 30%)

  • +25 if expected wins ≥ 1 (Leads × Win rate ≥ 1)
    → So Revenue score is 50, 75, or 100

Overall result

• The lowest of the three scores decides your focus:

  • Cash Control issue

  • Profit Power issue

  • Revenue Engine issue

Transfers to make today

• Move the Profit amount to your Profit account

• Move the Owner Pay amount to your Owner Pay account

• Move the Tax amount to your Tax account

• Keep the OPEX amount in Operating to pay bills

If you want, tell me your target percentages (Profit / Owner / Tax / OPEX) and I’ll rewrite the lines above using your exact numbers.

Great catch. In normal accounting, “real revenue” = monthly revenue − direct costs (materials, subs, direct labor).

It can go ≤ 0 when:

• You sold at/under cost this month (e.g., revenue $10k, direct costs $12k → real revenue −$2k).

• Timing mismatch: you bought materials or paid subs this month but won’t invoice/collect until later.

• Refunds/chargebacks/credit notes wiped out most of this month’s sales.

• One big job with large upfront costs and little or no billing yet.

• Data entry issue: misclassified overhead as “direct cost,” or duplicated costs.

In the widget I gave you, I clamp it so it never goes negative:

If it would have been < 0, we treat it as 0 to avoid weird percentages, and the Profit score drops to 20 (the “needs attention” floor).

What to do if this shows up:

• Price & scope check: raise price or tighten scope so gross margin ≥ 30%.

• Progress billing / deposits: bill earlier instead of carrying costs.

• Cost control: negotiate supplier rates, reduce rework/waste.

• Timing: push big material buys closer to billing dates when possible.

• Fix misclassifications in the books (move overhead out of “direct”).