64 tools. Let me point you at the three or four that are yours.
Built for owners who do their own numbers, and for the finance teams of listed companies. Answer three plain questions and I will name the set worth running, in the order I would run them.
First — which sounds like you?
There is no wrong answer here. It only changes what I show you next.
For running a business
What to charge, whether you can afford to hire, what to pay yourself — answered from your own numbers, with nothing substituted where a figure is missing.
Before You Let Someone Go
What the file needs, what the timing risks, and where this stops and counsel starts.
A documented position, and the point at which you should be calling a lawyerFreeEmployee Evaluation Builder
A complete, calibrated review in ten minutes — anchors, evidence prompts, and a development plan.
A finished review you can hand over, levelled to the person's actual roleFreeDo You Actually Need A CFO?
A CFO hired on top of a broken close inherits the close - every time. Routes to a controller, to an analyst, to a full-time hire, or to 'not yet', which is a real answer.
Which of the four problems you actually have, and the role that fixes itFreeWhat To Pay This Week
Ranked by consequence rather than age, with the cut line drawn where the money runs out - and it never tells you which supplier to stretch.
Your payables ranked by what not paying each one costs youFreeThe Pre-Mortem
It is eighteen months from now and this failed. Not what could go wrong - what did, ranked, with the ones you would never see coming marked as the expensive kind.
The reasons it failed, ranked by severity and how early you would see themFreeCo-Founder Equity Split
53.7% is the same guess as 55% wearing a lab coat. Vesting asked first, the split rounded honestly, and the sensitivity shown beside it.
A defensible split, with the vesting terms settled before the numberFreeSAFE Dilution & The Stack
Three SAFEs that each felt small, converting on the same day. Shows what the pre/post choice costs in points, and who is really funding the option pool.
Who owns what after the stack converts, and who absorbed the dilutionFreeThe Cash Conversion Cycle, Priced
Seventy days is a horoscope. Seventy days priced at your revenue is a number you can weigh against the awkwardness of chasing a customer.
Your cash cycle in days and what those days cost you in moneyFreeProfitable But Broke
The accounts say you made money and the bank says otherwise. Usually one line is much bigger than the others - this is which.
A line-by-line bridge from profit in the accounts to cash in the bankFreeUnit Economics & Payback
Payback first, because a 3:1 ratio with an 18-month payback still gets poorer every time it wins a customer - and LTV shown twice, so the assumption is visible.
Months to pay back CAC, and what that does to cash while you waitFreeRunway & The Decision Date
The zero date is the number you cannot act on. This gives you the one before it - when your lever stops being available - and reports a buffer rather than claiming unlimited runway.
The date you run out, and the earlier date you have to decide byFreeThe Diagnostic
Twelve questions, five minutes — the decisions you should be making, ranked by what each is costing you. The first one, in full, free.
Your decisions ranked by what each costs while it waitsFreeHire Affordability
Whether the business can carry the hire — real employer taxes, month by month, and the month you can no longer undo it.
The monthly cost with real employer taxes, and when cash runs outFreeContractor or Employee
A facts test, not a cost comparison — the first eight questions ask for no money at all, and there is no price shown when the answer is employee.
Contractor or employee under the IRS factors and the ABC testFreeOwner Pay and Draw
What you can take out, by how the business is actually taxed — with your personal floor first and no reasonable-compensation number invented.
Your pay floor, buffer and headroom for your entity typeFreeBreak-Even
The floor, from your own two numbers. If you have neither the cost nor the margin, it says so instead of substituting someone else's.
What has to come in each month before anything is yoursFreeJob Pricing
The floor for one piece of work, from your numbers rather than the going rate — with the billable-hours trap flagged where most pricing goes wrong.
The price below which a job takes money out of the businessFreeMarketing or Branding?
One quote, three currencies: extra enquiries, points of conversion, or purchases from the customers you already have. Says where a rebrand actually sits, and never predicts what one will do.
What the spend has to move before it pays for itself, three waysFreePrice Increase
The number nobody computes — how much volume a rise can absorb — and the sequencing that matters more than the size of it.
How many customers you could lose and still be no worse offFreeTrue Cost Per Customer
The number most owners use is ad spend divided by customers won. This adds back what that leaves out, and shows you the gap.
What a customer really costs once sales pay, tools and discounts are inFreeIs My Marketing Working?
Payback in months first, because it needs no guess about the future. Then LTV:CAC as a range, and the incrementality question no ratio can answer.
Months to earn back what a customer cost, and LTV:CAC as a rangeFreeWhere the Next Dollar Goes
First, whether more marketing even helps right now. Then channels ranked on the next dollar's return, not last year's, with a warning when one is running out of room.
Whether demand is the constraint, and if so which channel to fundFreeShould I Expand?
Refuses to model a second location, product or platform until the one you already have pays for itself. Then the cash hole to fund it, and what's likely to break first.
Whether the one you have is profitable at full cost, then the cash holeFreeRent vs Buy
Break-even years to own, beside the question you can actually answer: how long you'd stay. Then the monthly cash gap and what each path is worth today.
Years until buying beats renting, beside how long you expect to stayFreeDebt vs Equity
What a loan costs in interest, against what a slice of the business given away for the same cash could be worth in five years. Plus the coverage ratio a bank would check.
Total interest against what the equity could be worth in five yearsFreeNew Project Feasibility
Months to payback, plus what the same cash and your own time could otherwise be worth over that stretch — the part a CFO adds and an owner usually skips.
Months to pay back the cash, and what else that cash and time could doFreeObligation Calendar
Every federal deadline this business actually faces, plus one state's if you want it, each one dated and sourced — so the next one doesn't arrive as a surprise.
Your federal and state filing dates for the year, each one datedFreeProperty Tax Appeal Triage
Compares your assessed value against what you think the property is really worth, and shows how much an appeal could be worth — no appraisal needed.
What a successful appeal is worth a year, against what it costs to runFreeTax Reserve Calendar
What you're planning to set aside for taxes, in dollars — checked against the IRS safe harbor so a shortfall shows up now, not as a penalty.
The dollars to move into the tax account now, and the shortfall if you do notFreeEntity and Structure Review
The profit level where an S-corp election's payroll-tax savings start outweighing what it costs, and where your own numbers sit against it — never a recommendation to make the election.
The profit level where an S corp election starts paying for itselfFor SEC reporting and filings
Deadlines, disclosure thresholds, and the accounting standards behind them — with the rule cited on every answer.
Annual Meeting & Proxy Timeline Builder
Backward-planned SEC, state-law, and exchange deadlines for your next annual meeting — with a downloadable calendar.
Every proxy date back-planned from your meeting, as a calendar fileSavedCash Runway & Going-Concern Assessor
Project your cash runway and walk the ASC 205-40 going-concern two-step before your auditor does.
A month-by-month cash projection and the ASC 205-40 two-step answeredSavedRelated-Party Transaction Disclosure Assessor
Transaction-by-transaction Item 404 and ASC 850 disclosure screening, including the smaller-reporting-company threshold.
Each transaction marked disclosable or not, against the $120,000 testSavedConvertible Note Classifier (post-ASU 2020-06)
Walk the post-ASU 2020-06 embedded-derivative decision tree exactly as your auditor will.
One classification for the note, and the ASC 815 path that reached itSavedSegment Reporting Analyzer (ASC 280 + ASU 2023-07)
The 10% tests, the five aggregation criteria, the 75% check, and the new ASU 2023-07 disclosures — computed for you.
Which segments are reportable, the three 10% tests, and the 75% checkSavedASC 606 Revenue Recognition Wizard
The five-step model, obligation by obligation, surfacing the judgments an auditor will ask about.
The five steps answered for your contract, with the timing conclusionSavedASC 842 Lease Classifier & Schedule Builder
Classification, liability and ROU measurement, amortization schedule, and commencement journal entries from one form.
Finance or operating, the liability and ROU asset, and a 12-month scheduleSavedASC 230 Cash Flow Classification Reviewer
18 classification calls with citations — including the ASU 2016-15 and restricted-cash traps.
Eighteen classification calls scored, each with its citationDocumentsForm 3 Preparation Pack
Obligation, due date, drafted tables and a filing checklist for the Section 16 initial statement — including the 2026 foreign private issuer change.
A drafted Form 3, Tables I and II, with the 10-day date and a filing checklistDocumentsForm 5 Year-End Pack
The exempt-transaction interview: Form 4, this Form 5, or nowhere — with the authority for each and the 45-day deadline computed.
A drafted Form 5 with each transaction placed, and the 45-day dateDocumentsItem 402 Scope & Tables Pack
Regime, named executive officers, the paragraph-by-paragraph matrix, and a Summary Compensation Table whose total is checked rather than trusted.
The Item 402 paragraphs you owe and a Summary Compensation Table that tiesDocumentsItem 9A Internal Control Memo
Whether you owe the attestation, whether the report is complete, and the one conclusion Item 308(a)(3) allows on the facts you have.
A drafted Item 9A management's report, against the four elements of 308(a)DocumentsItem 4.02 Non-Reliance & Clawback Pack
The 8-K deadline from the right event, and the clawback analysis that runs whether or not the 8-K does.
A drafted Item 4.02 8-K, the paragraph triggered, and the clawback analysisDocumentsItem 5.02 Officer & Director Change Pack
Departures, appointments and pay deals sorted into the right paragraph of Item 5.02, with the due date and a draft to complete.
A drafted Item 5.02 8-K with the right paragraph and the four-day dateDocumentsASC 855 Subsequent Events Memo
The evaluation date, each event after the balance sheet date sorted into recognise, disclose or neither, and the note wording where one is owed.
A subsequent-events memo, each event sorted into recognise or discloseDocumentsGoing-Concern Disclosure Memo
Doubt raised and alleviated, or not alleviated: the paragraph the note is written under, what it must contain, and a draft built from your own words.
A going-concern note written under 50-12 or 50-13, with what it must containSavedCECL on Trade Receivables
The July 2025 relief, and the half of it a public company does not get. Says plainly which of its conclusions come from the ASU and which rest on Codification text it has not read.
An allowance figure, the expedient you qualify for, and the rate appliedSavedAudit Fees — Review and Comparison
Won't show you a percentile it doesn't have. Will tell you why 'we were under the five percent' is not an answer, and which disclosure you have never asked your auditor for.
Your fee beside the peers you named, from their own proxy disclosuresSavedFlux Analysis — Item 303
The line that barely moved because two large movements cancelled is the one Item 303(b) names and no threshold finds. Also tells you which of your explanations say nothing.
The lines that move under a percentage rule, an absolute one, and bothSavedEarnings Release — Non-GAAP Audit
'Furnished, not filed' buys Section 18 and almost nothing else - the prominence rule is imported expressly. Shows which of the three rules actually bite on your venue.
Each non-GAAP measure checked against Item 10(e) and Item 2.02SavedAuditor Change — Form 8-K Item 4.01
'No disagreements' answers a question the rule did not ask. Asks it the rule's way, surfaces the reportable events that fire anyway, and gets the Exhibit 16 clock right.
Whether Item 304 is triggered, and what the 8-K has to saySavedCyber Incident — Form 8-K Item 1.05
The four days run from your own determination - so the deadline is one you can miss twice. Shows both clocks, and refuses to score the one the rule left without a number.
The Item 1.05 due date on the real holiday calendar, and the gap to itSavedSOX Readiness
Works out whether the attestation applies instead of asking you, and refuses to score your chance of passing - ICFR at year end is binary. Weighted by where programmes fail, not where the effort goes.
Your filer status from float and revenue, and whether you owe 404(b)SavedWarrant Classification — ASC 815-40
Which step fails decides whether it can be drafted away. The two SEC-sourced fact patterns carry their quotes; everything else says plainly that the text was not read.
Equity or liability for the warrant, and the condition that decided itFreeDo We Owe An 8-K?
The list is published; the judgments are not. Shows what each question actually turns on, and refuses to issue a clearance it cannot give.
Whether an 8-K is owed, which item, and the judgment each answer turned onSavedMaterial Weakness or Significant Deficiency
Built around the four arguments that rate a material weakness down - no misstatement occurred, we have a compensating control, each one is small - and what the standard actually says about each.
Deficiency, significant deficiency or material weakness, with the reasoningSavedLate Filing — Rule 12b-25
The NT window closes one business day after the due date - and using it keeps your S-3 eligibility while still barring the shelf. Those are two different answers.
Whether the 12b-25 window is still open, and the extended due dateSavedDEF 14A Proxy Review
Built around the matters on your card, not a generic list - and it checks the 120-day date that decides whether Part III of the 10-K survives.
The drafted proxy checked against what shareholders are voting onSavedForm 8-K Review
Not whether you owe an 8-K - whether the one you drafted is complete, and whether it is already late.
Your drafted 8-K checked for item, timing, and furnished versus filedDocumentsForm 10-K Disclosure Checklist
A hundred and ninety cited items, scoped down to the ones that apply - then checked against your own profile for contradictions.
Your 10-K requirements, cited, scoped to what the company actually hasDocumentsForm 10-Q Disclosure Checklist
The interim requirements that survive scoping, and the N/A answers that disagree with what you just told it.
Sixty-two cited 10-Q requirements, scoped to this quarterFreeSEC Filing Deadline Calendar
Filer status worked out from the rule, every roll shown with the date it moved from, and an .ics whose alarms actually fire.
Your 10-K, 10-Q, proxy and Form 5 dates for three years, rolls shownDocuments83(b) Election: Deadline and Statement
Thirty days from transfer with no extension and no cure - the exact postmark date, then the statement drafted to the seven items the regulation requires it to contain.
The postmark date, and the §1.83-2(e) election statement draftedDocumentsBaby Shelf Capacity (Form S-3 I.B.6)
One third of your float, measured the way Instruction 1 actually says - at the sale date, not the filing date - less only the sales that genuinely count against it.
The dollars you may still offer off the baby shelf, and the float behind itIt computes where you are sitting
Every calculation runs in your own browser. Your figures are not posted to a server, not logged, and not used to train anything. Saving is a choice you make, not a default.
The rule is on the answer
A number without its authority is an opinion. The 34 reporting tools name the standard they applied — ASC 205-40, 606, 842, 280, Rule 13d-3 — on the answer itself.
Nothing is invented
Where a figure is missing, the tool asks for a low and a high and shows you the swing. It never substitutes an industry average and calls it your number.
Saved
Keep your inputs, come back to them, and be told when an answer flips — when the runway that was fourteen months is now eleven.
See what Saved addsDocuments
The filing-grade output: a subsequent-events memo, a going-concern assessment, a Form 4 — drafted, cited, and ready for your auditor rather than your notepad.
See Documents