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AiTechWorlds
AiTechWorlds
Enter your numbers once and get the P&L, cash flow, balance-sheet health, break-even, burn and runway, and 20+ financial ratios, each with its formula and working. Download a PDF or Word report.
Enter your numbers once: get the P&L, cash flow, balance-sheet health, break-even, runway and ratios, each with its formula.
Monthly figures. Everything below is saved in your browser and reused by the other tools.
Monthly revenue and expenses for the trend chart. Paste rows or upload a CSV: label, revenue, expenses.
Measured revenue growth: 4.32% per month.
Revenue
$42,000
per month
Gross profit
$25,000
59.5% margin
Net profit
$6,162
14.7% margin
Net cash flow
$5,062
per month
Runway
Not burning
cash flow is positive
Break-even revenue
$28,896
31% margin of safety
Working capital
$54,000
current ratio 4.60
Equity
$66,000
debt ratio 33%
Net margin is 14.7%, which is a healthy cushion for most small businesses.
One month of revenue split by where it went.
Revenue, expenses and profit by month from your history.
Rules of thumb vary by industry; use them as a prompt to look closer.
| Ratio | Yours | Usually healthy |
|---|---|---|
| Current ratio | 4.60 | 1.5 or more |
| Quick ratio | 3.80 | 1.0 or more |
| Debt-to-equity | 0.36 | under 1.5 |
| Interest coverage | 20.5x | 3x or more |
| Return on equity (annual) | 112.0% | 15% or more |
| Return on assets (annual) | 74.7% | 5% or more |
| Days sales outstanding | 6 days | under 45 |
| Days inventory | 19 days | depends on trade |
| Days payable | 12 days | near supplier terms |
| Cash conversion cycle | 13 days | shorter is better |
Formula and your figures substituted in, so you can check the maths.
Assumptions: monthly figures, depreciation is non-cash, working-capital changes are ignored in cash flow, and tax applies only to positive profit. Estimates for planning, not accounting or tax advice.
Includes charts, every number, formulas and assumptions. Built in your browser, nothing is uploaded.
The Business Financial Analyzer turns your monthly revenue, costs and balance-sheet figures into a full financial picture: gross, operating and net profit, cash flow, burn rate and runway, working capital, break-even revenue and more than 20 financial ratios. Every result shows its formula and the numbers substituted in, so you can see exactly where each figure comes from. Your data stays in your browser, and the same business profile feeds the Pricing, E-commerce and Forecast tools.
Enter your monthly numbers
Revenue, cost of goods sold, salaries, rent, marketing, tax rate, then your cash, receivables, stock, payables and debt.
Add history (optional)
Paste or upload monthly revenue and expenses as CSV to see the trend and your measured growth rate.
Read the dashboard
Check profit margins, cash flow, runway, break-even revenue and the ratio table, plus the plain-language warnings.
Audit and download
Open the formula view to check any number, then download a PDF, Word, Markdown, CSV or JSON report.
100% Private No Server Required
All processing happens directly in your browser. No data is uploaded, stored, or transmitted to any server.
Last reviewed on September 24, 2026 by the AiTechWorlds Tools Team. All processing runs locally in your browser.