Free tools
Small calculators for the cash questions owners actually ask. Each one runs in your browser on your own numbers. Nothing is stored, nothing is sent anywhere, and every result is an estimate, not advice.
Every trade
What waiting to get paid costs
Put in an invoice and the days until it pays. See what carrying that money costs you, and what a faster payment would save.
Trucking
Fuel price hit
Monthly miles, your mpg, the pump price today and where you think it is going. See the added cost per month and per mile.
Trucking
Cost per mile and break-even rate
Add up a month of fuel, driver pay, insurance, maintenance and payments. See your all-in cost per mile and the rate that just breaks even.
Contractors
Retainage planner
Contract value, margin, retainage rate and months until release. See how much cash is held, how much of your margin that is, and for how long.
Every trade
13-week cash planner
Type cash in and cash out for the next 13 weeks. The planner runs the balance forward, marks your lowest week and gives you a CSV to keep.
Government contractors
Government payment timeline
Invoice date, payment terms and how many subcontract layers sit between you and the agency. See when the money should land and how many payrolls to cover.
One tool like this, every Tuesday
The Float is a free weekly letter on cash flow for owners who get paid after the work is done. Each issue ends with one tool or habit you can put to work before Friday.