Your spreadsheet, as an instrument.

What do I actually keep?

Revenue runs through COGS, payroll, marketing, overheads, depreciation, interest and tax, shown as a waterfall down to net income.

• Net income
• EBITDA margin
• Break-even revenue

When does the money run out?

Cash in the bank against the monthly gap, with revenue and cost growth and a funding injection. It finds the exact month and tells you if you are default alive.

• Runway in months
• Zero-cash date
• Burn multiple

How many units before I make money?

Price, variable cost and fixed costs on one lever, drawn as a cost-volume-profit chart with your plan and the break-even point marked.

• Break-even units
• Margin of safety
• Operating leverage

What does that discount really cost?

One price split into cost, fees, profit, discount and VAT, plus the extra volume you need to sell to make a promotion worth it.

• List and shelf price
• Realized margin
• Volume to offset discount

Where does MRR land?

New bookings, expansion and churn compound month by month into MRR and ARR over 12, 24 or 36 months.

• ARR
• Net revenue retention
• SaaS quick ratio

Is a customer worth more than they cost?

ARPU, gross margin, churn and CAC become lifetime value and a cohort payback curve, with the value your acquisition budget creates each month.

• LTV
• LTV : CAC
• CAC payback

What reaches me after tax?

Profit flows through corporate tax and dividend tax to the money that reaches the owner, next to the VAT due this quarter. Presets for Israel, Denmark and the UAE.

• Net to owner
• Effective tax rate
• VAT payable

What does this loan cost me?

Principal, rate and term give the payment and the full schedule by year. Add an extra payment and watch the interest and the term shrink.

• Payment
• Total interest
• Interest saved

What is the business worth?

Free cash flow, growth, terminal growth and WACC resolve into enterprise and equity value, with the sensitivity grid every investor asks for.

• Enterprise value
• Value of your stake
• WACC × growth grid

What does each hire really cost?

Salary plus social tax, pension, benefits and overhead becomes the fully loaded cost per person, per hour and per year, with raises over three years.

• Loaded cost per head
• Cost per hour
• Year-2 team cost

Does every unit of income have a job?

Needs, wants and savings against the 50/30/20 rule, with the money still free to allocate and your real savings rate.

• Left to allocate
• Savings rate
• Daily spending room

How long could I last without income?

Essential costs against the fund you have, a 3 to 12 month target and the exact month your safety net is full.

• Months of safety
• Still needed
• Fully funded date

What does monthly investing become?

Starting balance, monthly investment, return and inflation over decades, split into your contributions and the growth the market adds.

• Future value
• In today's money
• Income at 4%

What is the fastest way to owe nothing?

Three debts, one monthly budget, avalanche against snowball. See the debt-free date and the interest each method saves.

• Debt-free date
• Total interest
• Saved vs other method

When am I financially independent?

Your FI number from spending and a safe withdrawal rate, the age you reach it and the monthly saving that hits your target age.

• FI age
• FI number
• Monthly needed

Should I buy or keep renting?

Owning against renting and investing the difference, month by month, with the year the two paths cross.

• Buying minus renting
• Mortgage payment
• Price-to-rent

What does one hour of my life earn?

Gross pay after income tax, social security, pension, commute time and the cost of going to work.

• Real hourly wage
• Take-home rate
• Hours per 100 spent

What am I worth, really?

Everything you own minus everything you owe, with liquid net worth, home equity and debt-to-assets.

• Net worth
• Liquid net worth
• Debt-to-assets

How much a month to hit my goal on time?

A target, a deadline and what you save now: the exact monthly amount, your current pace and the date you get there.

• Needed per month
• Projected at deadline
• Reached on

Where is the money quietly going?

Subscriptions, dining, delivery, coffee, impulse buys and fees: what they cost a year and what a cut grows into when invested.

• Leaks per year
• Biggest leak
• What the cut grows into