Simple calculators to help you make better Cash, Profit, and Revenue decisions.
Quick, practical, and built for busy owners.
See how much cash is really available after the bills and payments coming up soon.
Use this before approving spending, owner pay, or non-urgent purchases.
Why it matters: one bank balance can make you feel richer than you really are.
See the minimum sales needed to cover your fixed monthly costs at your current margin.
This is your break-even sales number.
Why it matters: it shows whether the business is truly covering itself or just staying busy.
See how much profit a discount eats up and how much extra sales you need to recover it.
Useful before you say yes to “just give me 10% off.”
Why it matters: a small discount can quietly create a much bigger sales problem.
These tools help with one question at a time.
If you want help fixing Cash, Profit, and Revenue together, start with Profit Audit.
Simple calculators to help you make better Cash, Profit, and Revenue decisions.
Quick, practical, and built for busy owners.
See how much cash is really available after the bills and payments coming up soon.
Use this before approving spending, owner pay, or non-urgent purchases.
Why it matters: one bank balance can make you feel richer than you really are.
See the minimum sales needed to cover your fixed monthly costs at your current margin.
This is your break-even sales number.
Why it matters: it shows whether the business is truly covering itself or just staying busy.
See how much profit a discount eats up and how much extra sales you need to recover it.
Useful before you say yes to “just give me 10% off.”
Why it matters: a small discount can quietly create a much bigger sales problem.
These tools help with one question at a time.
If you want help fixing Cash, Profit, and Revenue together, start with Profit Audit.
Simple calculators to support weekly Cash, Profit, and Revenue decisions. No dashboard addiction required.
Safe-to-spend = operating cash minus committed payments (next 7–14 days). Use weekly before approving spending.
Rule: if safe-to-spend is negative, freeze optional spending and do one action: collect / delay / renegotiate / cut.
Break-even sales = fixed costs ÷ gross margin %. Use monthly; check weekly trend against it.
If break-even keeps rising, fix margin or reduce fixed commitments before scaling sales.
A discount cuts profit faster than most owners realise. This shows how much extra sales you need to recover.
Better than discounting: reduce scope, improve terms (deposit/milestones), or bundle value that costs you less.
If you want clarity across Cash, Profit, and Revenue together, start with Profit Audit. It tells you what to fix first.
Simple calculators to support weekly Cash, Profit, and Revenue decisions. No dashboard addiction required.
Safe-to-spend = operating cash minus committed payments (next 7–14 days). Use weekly before approving spending.
Rule: if safe-to-spend is negative, freeze optional spending and do one action: collect / delay / renegotiate / cut.
Break-even sales = fixed costs ÷ gross margin %. Use monthly; check weekly trend against it.
If break-even keeps rising, fix margin or reduce fixed commitments before scaling sales.
A discount cuts profit faster than most owners realise. This shows how much extra sales you need to recover.
Better than discounting: reduce scope, improve terms (deposit/milestones), or bundle value that costs you less.
If you want clarity across Cash, Profit, and Revenue together, start with Profit Audit. It tells you what to fix first.
Xero business tools help you turn your numbers into faster weekly decisions. These simple calculators are built for owners who want to know what is safe to spend, how much sales they need to break even, and how much a discount really costs before they approve it.
Instead of waiting for month-end reports, use these Xero business tools during your weekly Money Day review to make clearer decisions around cash flow, profit protection, and revenue control.
This Xero business tool helps you check how much operating cash is actually safe to use after committed payments are covered. It is designed for weekly use before approving spending, drawings, or new commitments.
Safe-to-spend = operating cash minus committed payments due in the next 7 to 14 days.
Rule: if safe-to-spend is negative, freeze optional spending and do one action first: collect, delay, renegotiate, or cut.
This Xero business tool shows the sales level needed to cover fixed costs at your current gross margin. It helps owners see whether the problem is weak sales, weak margin, or fixed costs that have drifted too high.
Break-even sales = fixed costs divided by gross margin percentage. Use it monthly, then compare your weekly sales trend against it.
If break-even keeps rising, fix margin or reduce fixed commitments before chasing more sales.
This Xero business tool shows how fast discounts cut gross profit and how much extra sales you need just to recover. Many owners think a small discount is harmless until they see how much extra work it creates.
Use this calculator before approving discounts, promotions, or “special deals” that look easy but quietly weaken profit.
Better than discounting: reduce scope, improve payment terms, ask for deposits, or bundle value that costs you less to deliver.
These calculators help you make faster decisions, but most owners do not have a cash problem only. They usually have a mix of Cash, Profit, and Revenue issues happening at the same time. Profit Audit shows you what to fix first so you stop guessing.