Finance founders can work with.

Financial planning for small-business owners, built around your personal and business needs.

01 Personal Audit Present day 02 Business Diagnostic Present day 03 Strategic Decisions Short and medium term 04 Forecasting Medium and long term

A personal audit ending in $20,043 a month: income, expenses, a 20% buffer and tax against a $20,000 goal

Step 1 of 4

What your business has to pay you.

Account for your household finances and lifestyle goals to quantify the gap from where you are now to where you want to be.

Expenses, savings goals, big purchases ahead, and taxes — in one place
Taxes worked out for your state and filing status, not a flat guess
Every forecast and strategy on the platform is measured against this number

Entire App Free, No Account Needed Learn More

A cash flow walk: $100,474 of revenue from coaching and a course, less direct costs, marketing and admin, to $82,171 of business cash flow, then benefits and tax to $62,611 for the owner

Step 2 of 4

Understand your cash flow like an investor, and how it compares to your peers.

Upload however you track your finances. No setup, no chart of accounts to build first.

Statements, a spreadsheet, or a bookkeeping export — we read them for you
Your money walked from sales down to what you keep after tax
A scorecard that grades every line against others in your industry

Start For Free, No Account Needed Learn More

A price rise walked from revenue to the owner's take-home in current, change and scenario columns, ending in $6,826 more a year

Step 3 of 4

Make quick and confident decisions, backed by numbers you trust.

A menu that covers every decision an owner faces, each one focused and structured so you understand it in depth.

Pricing, a hire, a new product, debt or costs, or a decision you shape yourself
One move at a time, walked from sales to what reaches you after tax
The reasoning behind every change, and a task board to carry it out

Start For Free, No Account Needed Learn More

A 24-month timeline with break-even in month 1 and the income target reached in month 20, above total value crossing the target line

Step 4 of 4

Build a business where you only do the parts you love.

Right now you probably do everything. Design what the business looks like when you don't, and map how to get there.

Start from the after-tax income your household needs
Design month 24: what you sell, what it costs and who does the work
Draw the path month by month so you start fully prepared
Extend to years 3–5, maturing from a business to an enterprise

4 Trial Forecasts Free, No Account Needed Learn More

“Having a plan and timeline I understand gave me the confidence to start after years of waiting.” Ben · Purpose Over Pixels “On the financial model side of things I'm in a great spot, so I've been focusing on operations and landing a client.” Pat · Golf merchandising startup “Super easy to understand — takes a ton of stress off.” Tom · Special needs education startup “Ranking everything by cash flow cleared up where I should spend my time.” Aubrey · Travel agency “I went from a list of costs in Google Sheets to interactive cash forecasting - game changer!” Sarah · Women's financial literacy events

Featured On

Help at Every Step

You Don't Need a Finance Background.

An AI advisor sits beside every screen, and a person who built these models for a living is there when you need extra help.

Occam AI Advisor

An Advisor in the Room

Occam is a frontier AI model built into the platform. It sees the numbers on your screen, so you ask about them in plain words. Available on all paid plans.

Draft Have Occam draft a full plan, end to end, researched against pricing and costs in your market.
Explain Ask about any number and what it means for a business like yours.
Review As you customize your plans, have Occam check your work before you rely on it.

Compare Plans

Joao Galbier Founder

An Expert Within Reach

Eight years building the models lenders, buyers and investment committees decide on, at Bank of America Merrill Lynch, EagleTree Capital and Thermo Fisher Scientific.

Any paid plan Book a one-on-one session whenever you want a second set of eyes.
Advisory Plan A private message board, answered within 24 hours. Joao can open your drafts, so the advice is about your numbers.
Partner Plan A standing weekly session with your dedicated advisor. The fastest way to answers before a lender meeting or a big investment.

Meet Joao

Built to support your life, not just your business.

Start For Free Client Reviews

No account or credit card to start 7-day money-back guarantee