Small Business Financial Planning Toolkit | Excel-Based Business Decision Tools
Your Sales Look Healthy. But Is Your Business Financially Healthy?
Your business is making sales. Customers are buying. Revenue may even be growing.
But are you actually making enough profit? How much do you need to sell to break even? And why does your business sometimes have so little cash, even when it's profitable?
These are common financial challenges for small business owners.
Before deciding what to improve, you need to understand where your business stands.
Four Excel Tools to Understand Your Business Finances
B01 — Check Your Business Health brings together four practical Excel-based Business Decision Tools to help you review your costs, profit and loss, break-even position, and cash flow.
Instead of looking at isolated numbers, you can examine different aspects of your business performance and identify which financial issues deserve attention.
Are rising business expenses reducing your profit?
Understanding fixed costs versus variable costs is an important starting point for small business financial planning.
The Cost Clarity Tool helps you organize expenses into fixed, variable, and mixed costs, identify major cost components, and understand how your cost structure affects your business.
What you can evaluate: Which expenses deserve closer review, and where you may need better cost visibility.
Your sales are increasing. But is your business actually becoming more profitable?
A small business profit and loss spreadsheet helps you see more than revenue alone.
The P&L / Business Performance Dashboard helps you review sales, expenses, profitability, and key business performance indicators in one place.
What you can evaluate: Whether your financial performance is improving, weakening, or showing areas that need further investigation.
How much do you need to sell to break even?
Break-even analysis helps you understand the minimum sales required to cover your business costs.
GrowthYou's Excel-based Break-Even Position Tool helps you calculate your break-even point, compare it with actual sales, and understand your margin of safety.
What you can evaluate: Whether your current sales are sufficient to cover costs and how far your business is above or below break-even.
Why does your business have so little cash even when it's profitable?
Profit and cash flow are not the same. Customer payment delays and upcoming expenses can create cash shortages even when your business reports a profit.
The Cash Flow & Runway Planner provides a 12-month Excel cash flow forecasting framework to help you organize expected cash inflows, outflows, and payment timing.
What you can evaluate: When cash shortages may occur, whether upcoming obligations can be covered, and how much additional cash may be needed.
What Can You Discover With B01?
By reviewing four important areas of business financial health, you can:
Understand your cost structure: Identify fixed, variable, and mixed business expenses.
Review your profit and loss: See whether revenue is translating into stronger profitability.
Evaluate your break-even position: Understand the sales required to cover your costs.
Forecast your cash flow: Anticipate potential cash shortages over a 12-month planning horizon.
Prioritize your next decision: Identify which financial issues require closer attention.
B01 helps you establish a clearer financial starting point before making changes to pricing, costs, operations, or growth plans.
What's Included in B01?
Four downloadable Excel Business Decision Tools:
Cost Clarity Tool — Understand your fixed, variable, and mixed costs to establish a clearer foundation for financial decisions.
P&L / Business Performance Dashboard — Review your business revenue, costs, and profitability.
Break-Even Position — Understand how much you need to sell to cover your costs and how far your current sales are above break-even.
Cash Flow & Runway Planner — Forecast cash inflows and outflows to anticipate potential shortages and plan upcoming payments.
Each tool addresses a specific financial question and can be used with your own business data.
Product format: Downloadable Microsoft Excel workbooks.
Best suited for: Small business owners who want to understand business costs, profitability, break-even requirements, and cash flow.
Software requirement: Compatible Microsoft Excel desktop version.
Purchase model: One-time payment, without a recurring subscription.
Is B01 Right for Your Business?
B01 may be a useful starting point if:
Your sales are growing, but your profit isn't improving.
You don't have a clear picture of your fixed and variable costs.
You're unsure how much you need to sell to break even.
Your business is profitable, but cash is frequently tight.
You want a clearer understanding of financial performance before making your next business decision.
Start With a Clearer Picture of Your Business
Your Business. Your Numbers. Your Growth.
Understand your costs. Review your profitability. Know your break-even position. Plan your cash flow.
Make your next business decision with a clearer understanding of the numbers behind it.
