Finance Analyzer
Where the money actually goes
Monthly figures in. Margin, burn, runway and break-even out.
Nothing is uploaded. Your numbers never leave this tab.
Your month
What you invoiced this month.
Only what scales with each sale: materials, hosting per customer, payment fees, contractor delivery.
Salaries, rent, tools, insurance — the bill that arrives whether you sell or not.
Percent. Leave at 0 to see runway on today's numbers, which is the honest default.
The picture
Enter your figures and press Analyse.
- No upload
- Runs offline
- Shows its arithmetic
- Not financial advice
The formulas, and what this is not
Gross profit = revenue − direct costs. Gross margin = gross profit ÷ revenue. Net profit = gross profit − fixed costs. Break-even revenue = fixed costs ÷ gross margin — the sales you need before the fixed bill is covered. Burn is net profit when negative, and runway is cash ÷ burn, stepped month by month when a growth rate is set so compounding is not ignored.
Runway is capped at 120 months in the display: past ten years the number stops meaning anything.
This is arithmetic, not advice. It does not know your tax position, your receivables, your seasonality or your debt schedule, and it is not a substitute for an accountant. It is deliberately blunt about one thing: if fixed costs exceed gross profit, no amount of growth at the current margin fixes it, and the tool says so rather than projecting a happy curve.
Questions people actually ask
Four numbers decide whether a small business is fine or in trouble: what each sale actually earns, what the month costs regardless, how long the cash lasts, and how much revenue clears the bar. This works all four out and says plainly which problem you have.
How do I calculate runway?
Cash divided by monthly burn, where burn is net profit when it is negative. If you set a growth rate this tool steps month by month instead, because growth changes the burn every month and a single division would quietly ignore that.
What is break-even revenue?
Fixed costs divided by gross margin — the sales you need before the bills that arrive anyway are covered. If your gross margin is zero or negative, break-even does not exist at any volume, and the tool says 'unreachable' rather than printing a number.
What counts as a direct cost rather than a fixed cost?
Direct costs scale with each sale: materials, payment fees, per-customer hosting, delivery contractors. Fixed costs arrive whether you sell or not: salaries, rent, tools, insurance. Putting a cost in the wrong bucket is the most common reason these numbers mislead.
Is my financial data uploaded?
No. Nothing is stored, sent or logged. Close the tab and it is gone.
Is this financial advice?
No. It is arithmetic. It does not know your tax position, receivables, seasonality or debt schedule, and it is not a substitute for an accountant.
Part of nine free KaiOrb instruments — all in-browser, none of them upload your files.