Simple Financials
Betaby Sebodor
The big picture.
Your business, in numbers that make sense.
Your financials stay yours.
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Your financial picture
Profitable — watch the cash buffer.
You earned $38,480 after business expenses and have $36,100 in the bank. Your short-term assets cover your short-term obligations.
Revenue
$354K
Sales for the selected period
Operating earnings
$38.5K
EBITDA · 10.9% margin
Owner benefit
$69.5K
Est. SDE · before tax & debt
Cash on hand
$36.1K
At June 30, 2025
COGS
$116K
Gross margin 67.2%
OpEx
$199.5K
Excludes owner draws
Net profit
$38.5K
Margin 10.9%
Equity (approx.)
$40K
Assets − obligations entered
AR
$8.2K
Accounts receivable
AP
$4.3K
Accounts payable
Current ratio
10.30
Short-term assets ÷ obligations
Cash coverage
1.1 mo
Aim for 2–3 months of OpEx
Where your revenue goes
Every $1 of revenue33¢
Delivering your work
56¢
Running the business*
11¢
Operating earnings
*Operating expenses less depreciation & amortization when entered. Owner draws are not included in OpEx. Rounded minor units may not total a whole currency unit.
You keep 11¢ in operating earnings for every $1 of sales — before interest, income taxes, and investment in the business.
One thing to focus on
Give your cash a little space.
Cash covers approximately 1.1 months of average operating costs. Aim for 2–3 months. Review customer collections and upcoming payments. This estimate excludes debt principal, taxes, capital purchases, and owner draws.
Cash coverage is a rough cost cushion — not a forecast.
Cash
You have $36,100 on hand, about 1.1 months of average operating costs. Aim for 2–3 months of OpEx as a practical cushion. Operating cash coverage excludes owner draws — draws are distributions, not running costs.
Owner draws this period: $31,000 (not counted in OpEx or cash coverage).
Monthly trends
Revenue
$64.5K endProfit
$9.6K endCash
$36.1K endReconciliation checks
Owner draws excluded from OpEx
$31,000 in owner draws are treated as distributions, not operating expenses.
Revenue present
Revenue of $354,000 for the period.
Short-term coverage
Short-term assets cover short-term obligations.
Cash buffer
Cash covers about 1.1 months of average operating costs (aim for 2–3).
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