Finance tools that tell you the truth about cash

Profit on paper, money in the bank, and the gap between them. Everything is computed on your device — your revenue, wages and tax figures are never sent anywhere.

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Profit & loss projection

What the business earns on paper — and why that differs from the money in the bank.

Revenue ($/yr)

Cost of goods sold ($/yr)

Payroll ($/yr)

Other operating costs ($/yr)

Depreciation ($/yr)

Loan interest ($/yr)

Tax rate you expect (%)

Why cash won't match this profit

Loan principal repaid ($/yr)

Equipment bought ($/yr)

Increase in unpaid invoices ($)

Owner drawings ($/yr)

Depreciation is an expense that takes no cash; loan principal and equipment take cash but aren't expenses. That asymmetry is why a profitable year can still leave you short.

How this is calculated

gross = revenue − COGS · operating = gross − payroll − other costs − depreciation · net = operating − interest − tax

Tax is applied only to positive pre-tax profit, at a rate you enter. Toolsfully does not know your allowances, loss carry-forwards or filing basis.

Runway & burn rate

How long the money lasts at the current rate — and what changes that.

Cash available ($)

Money in ($/mo)

Money out ($/mo)

Never go below ($)

Runway to zero is the wrong target. Wages, tax and supplier terms all need paying before the balance hits nothing, so the date that matters is when you cross your own floor.

How this is calculated

gross burn = money out · net burn = money out − money in · runway = spendable cash ÷ net burn

If money in exceeds money out, runway isn't a meaningful number and the tool says so rather than printing infinity.

Working capital

How much cash is tied up in customers who haven't paid and stock that hasn't sold.

Cash ($)

Owed by customers ($)

Stock on hand ($)

Owed to suppliers ($)

Short-term debt ($)

Annual revenue ($)

Annual cost of goods ($)

Chasing payment faster is usually the cheapest source of cash a small business has — and it costs nothing but awkwardness. Stretching your own suppliers works too, but it spends goodwill you may need later.

How this is calculated

DSO = owed by customers ÷ revenue × 365 · DIO = stock ÷ COGS × 365 · DPO = owed to suppliers ÷ COGS × 365

cash cycle = DSO + DIO − DPO — the days between paying for something and being paid for it. A negative cycle means customers fund your operation.

Sales tax set-aside

Track the tax you've collected on someone else's behalf, so it's there when the bill arrives.

Taxable sales this period ($)

Tax rate you charge (%)

Brought forward ($)

Already paid over ($)

Actually set aside ($)

Toolsfully does not determine whether you must register, what is taxable, which rate applies, where the sale is sourced, or when you must file. Those depend on where you and your customers are, and they change. Confirm them with the tax authority or a qualified adviser — this tool only does the arithmetic on rates you supply.

How this is calculated

collected = taxable sales × rate · owed = brought forward + collected − already paid

The shortfall compares what you owe against what you've genuinely put aside — the gap most businesses discover the week a return is due.

Income tax reserve

Cash planning for the tax on your profits — so the bill isn't a shock.

Profit so far ($)

Deductions you expect ($)

Effective rate you assume (%)

Already paid ($)

Already set aside ($)

Payments left this year

This is cash planning, not a tax return and not a liability calculation. The rate is one you enter — Toolsfully does not know your bands, allowances, reliefs, other income or filing status. Set the reserve with your accountant, and treat this as a savings target rather than an answer.

How this is calculated

basis = profit − deductions · reserve = basis × your effective rate · still to set aside = reserve − paid − already saved, divided across the payments you have left.

Profit is an opinion, cash is a fact

The single most common way a growing business fails is running out of money while trading profitably. Revenue is recognised when you earn it, but arrives when the customer pays. Equipment leaves your account in one lump and appears on the profit statement in slices. Loan repayments drain cash without ever touching profit at all.

These five tools exist to keep those two pictures separate and comparable: what the year looks like on paper, how long the money lasts, how much is trapped in unpaid invoices and stock, and what you're holding on the tax authority's behalf. All of it stays in your browser — none of these figures is sent anywhere.