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A simple check-up for founders. Answer with numbers you already have, and the tool does the maths and shows where your money is working hardest and where there may be gaps.
20 questions · 6 areas
About 15 minutes
01
Baseline
Money in, money out and cash in the bank. The numbers behind every result.
02
Unit Economics
What each sale earns, what a customer costs to win, and whether they stay.
03
Cash & Runway
Getting paid, paying suppliers, stock, and how long your cash lasts.
04
Growth
Where new customers come from and what marketing really costs.
05
Operations
Running costs, team size, and whether costs grow slower than sales.
06
Resilience
Big customers, currency, funding choices and pricing.
Before you begin
This is a self-assessment tool only, not financial or investment advice. Using it does not create an advisory relationship. Your answers stay in your browser and are never stored or sent anywhere. Read full disclosures →
Your Baseline
A few numbers from your bank or mobile money statements. Everything else is calculated from these.
Section 1 of 6Money in & out
About Your Business
Money In & Out
All amounts in US dollars. A rough conversion at today's rate is fine. Leave out grants, investment and loans.
$
Your revenue: what customers actually paid you. If you collect money on behalf of others (a marketplace, payments or lending business), count only the fees or commission you keep, not the total value of transactions (GMV).
$
Everything you paid: salaries, rent, stock, marketing, fees.
$
Bank and mobile money balances you can use.
Three months ago
The same figures for the month three months back. This shows which way things are moving.
$
$
Capital & Funding
Live CalculationsUpdates as you type
Monthly Burn
—
Runway
—
Burn-to-Revenue
—
Signal
—
Money In
—
Last month
Money Out
—
Last month
Runway
—
How long cash lasts at this rate
Burn-to-Revenue
—
Net burn ÷ money in
Unit Economics
What each sale really earns, and what each customer costs to win and keep.
Section 2 of 6
This section is for businesses that are already selling. You told us you're pre-revenue, so you can skip ahead.
Unit Economics · 4 Questions
· Margin
What did it cost you to deliver what you sold last month?
💡 What's left after these direct costs is your gross margin: the money available to pay for everything else and to grow.
Direct costs, last month
$
Costs that go up with each sale: stock, raw materials, delivery, packaging, payment and mobile money fees.
Is your margin getting better or worse?
· Cost to win a customer
How much did you spend winning new customers over the last 3 months?
💡 Divide that spend by the customers it brought in and you get the cost to win one customer. The tool works it out for you.
💡 Customers who come back make your spend on winning them go further. These counts also let the tool estimate what a customer is worth over time.
Customers who paid you last month
Customers you had 3 months ago
How many of them still buy from you?
· Break-even
Do you know how much you need to sell each month to cover all your costs?
💡 Break-even is where money in matches money out. The tool estimates it from your numbers below.
Cash & Runway
When cash actually comes in and goes out, and how long it lasts.
Section 3 of 6
Cash & Runway · 5 Questions
· Getting paid
How long do customers take to pay you?
💡 A sale only helps once the cash arrives. Slow payers, often large companies and government, can leave you short even when sales look good.
Average days to get paid
Enter 0 if customers pay upfront or on the spot.
Money customers owe you right now
$
· Paying suppliers
How do you usually pay your suppliers?
💡 Paying suppliers after your customers pay you keeps cash in the business. Paying upfront means you fund that gap yourself.
Average days before you pay them
· Stock
Do you keep stock or inventory?
💡 Stock sitting on shelves is cash you can't use. Services and software businesses can answer "No".
How many days does stock usually sit before it sells?
· A bad month
If sales dropped by a third, do you know what you would cut first?
💡 With a plan ready, you can act quickly instead of deciding under pressure.
· Raising money
Are you planning to raise money?
💡 Fundraising often takes 6 months or more. Starting with plenty of runway left gives you room to negotiate.
In how many months will you start?
Roughly how much?
$
· Your next milestone
What monthly revenue do you want to reach next?
💡 For example, the level you want to show before your next raise. The tool checks how long it takes at your current growth, and whether your cash lasts that long.
Target monthly revenue
$
By when? (months from now, optional)
Growth
Where new customers come from, and what that growth really costs.
Section 4 of 6
This section is for businesses that are already selling. You told us you're pre-revenue, so you can skip ahead.
Growth · 3 Questions
· Customers you didn't pay for
Roughly what share of new customers came without paid marketing?
💡 Referrals, repeat buyers and word of mouth cost little. The more growth comes this way, the less it depends on spending.
%
· Marketing spend
Is your marketing spend growing faster or slower than your sales?
💡 If spend grows faster than sales, each new sale is getting more expensive.
When a channel isn't working, do you have a rule for when to stop?
· Channels
Which channels brought in your new customers over the last 3 months?
💡 Split your customer-winning spend by channel, such as social media ads, sales agents, events or partnerships. The tool shows what each customer costs per channel, so you can see what's working.
ChannelSpend, last 3 monthsNew customers
$
$
$
Fill in up to three. A channel that costs nothing, like referrals, can have $0 spend.
Operations
Whether your costs are growing slower than your sales.
Section 5 of 6
Operations · 2 Questions
· Where your money goes
Last month, how much did you spend on your team and on running the business?
💡 Together with direct costs and marketing, these show your biggest cost drivers. As you grow, running costs should take a smaller share of revenue.
Salaries and staff costs
$
All pay, including founders, contractors and staff benefits.
Running costs
$
Rent, utilities, software, accounting, office. Leave out salaries, direct costs and marketing.
· Team
How many people work in the business?
💡 Revenue per person is a simple way to see how much the team produces.
Full-time and regular part-time, including founders.
Does spending above a set amount need someone's sign-off?
Resilience
How well the business could absorb a shock: a lost customer, a currency move, rising costs.
Section 6 of 6
Resilience · 4 Questions
· Biggest customers
How much of your revenue comes from your biggest customers?
💡 If one or two customers bring in most of the money, losing one would hit hard.
Largest customer (% of revenue)
%
Top 3 customers together (%)
%
· Currency
How much of your money comes in and goes out in dollars or another foreign currency?
💡 If you earn in cedis or naira but pay some costs in dollars, a weaker local currency squeezes your margin even when the business is doing well.
Revenue in foreign currency
%
Costs in foreign currency
%
For example imported stock, cloud software, or dollar salaries or loans.
Have you worked out what a big exchange rate move would do to you?
· Tax and statutory payments
Are you behind on any tax, PAYE, pension or other statutory payments?
💡 Unpaid statutory amounts are a hidden debt. They build up with penalties and often come up in investor or lender checks.
· Funding choices
When you need funding, how do you choose between options?
💡 Grants, loans, revenue-based finance and equity all cost different amounts. Comparing them can save you money and ownership.
· Prices
When did you last raise your prices?
💡 With high inflation, costs rise every year. If prices stay flat, your margin shrinks quietly.
Your management report is ready. It is laid out as your company's own report, using only the figures you entered, with no third-party branding. Use Export / Print to save it as a PDF.
