Small business money plan builder

Enter a few numbers and get a budget split, a cash reserve target, risk checks, tax and retirement ideas, and a 90-day setup checklist. It runs in your browser and nothing is sent anywhere.

Where every dollar of revenue goes

Health check

Cost-saving moves

  • Rebid your top 10 vendors each year and ask for prepay discounts.
  • Review every subscription quarterly and cancel unused seats.
  • Negotiate net-45 with suppliers; invoice customers the day work is done and offer 2% early-pay discounts.
  • Push large invoices to ACH to avoid 2-3% card fees.
  • Shop insurance every 2-3 years; consider higher deductibles once reserves are funded.

Investing and tax ideas for your situation

90-day setup checklist

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