ARDOTOOLS

Small Business Finance Kit

Plan monthly gross profit and a basic cash buffer target.

Monthly plan

Revenue target ($)Gross margin (%)

Fixed costs ($)Current cash ($)

Buffer months

Plan

How it works

Enter revenue and costs

What comes in, what goes out, and what is fixed against variable.
Read margin and runway

How much each sale contributes, and how long the money lasts.
See the funding gap

If there is one, its size is the number worth knowing early.

Who this is for

A quick monthly check

Three numbers that tell you whether the shape of the business is changing.

Before a funding conversation

Know your own runway before someone else asks for it.

Weighing a hire

A salary changes runway and break-even at the same time.

Sanity-checking a plan

Plans that assume revenue arrives before costs rarely survive contact.

Questions

What is runway?: How long the business can keep operating at its current burn before it runs out of money. It is the one number that turns a vague worry into a date.
What counts as a fixed cost?: Anything that does not move with sales volume: rent, salaries, software, insurance. Costs that scale per sale are variable and belong in the margin.
Is this a substitute for bookkeeping?: No. It is a back-of-envelope view for decisions between bookkeeping cycles. Your accounts remain the record.