Guides
Understand your Xero numbers, and get them to the people who need them
Owner guides answer what the reports are telling you, with worked examples. Bookkeeper guides cover sending reports and management packs to clients.
For business owners
Plain answers to the questions owners ask about their Xero numbers: cash, profit, who owes you and what to pay yourself.
Cash and cash flow
- Profit in Xero but no cash in the bank: where the money went Why your Xero Profit and Loss shows a profit while the bank balance falls, the usual causes, and how to trace the gap with the Balance Sheet in ten minutes.
- Xero Statement of Cash Flows: how to run it and what it tells you Where to find the Statement of Cash Flows in Xero, what its three sections mean, a worked example with numbers, and four checks to make each month.
- Xero short-term cash flow: what will be in the bank in 30 days Where Xero's short-term cash flow lives, what goes into its 30-day projected balance, what it leaves out, and a worked example that turns $24,500 into $700.
- Xero bank balance doesn't match your bank statement? How to find the gap Why the balance in Xero differs from your bank, the three balances to compare, the six usual causes, and a worked example that finds a $2,730 gap step by step.
- How many months of cash should a business have? Work out your number in Xero Most businesses should keep 3 to 6 months of fixed costs in cash. Pick your number and check it in Xero, with a worked example and the tax money to leave out.
- How to improve cash flow in a small business: find the biggest fix in Xero The fastest ways to improve cash flow, ranked by how much cash each frees. Work out your own numbers from Xero reports, with a worked example.
- Seasonal business cash flow: how much to save in the busy months to get through the quiet ones How a seasonal business works out how much to set aside in busy months to cover the quiet ones, using Xero's Profit and Loss by month, with a worked example.
- 13-week cash flow forecast: how to build one from your Xero reports Build a 13-week cash flow forecast from Xero's reports in an afternoon: where each line comes from, a worked example, and how to find the week cash runs lowest.
- Cash flow statement example: a small business year, both methods A full cash flow statement example for a small business, built from its P&L and balance sheet (indirect method) and from bank movements (direct method).
- Cash flow forecast example: a small business's next 12 months A worked 12-month cash flow forecast for a small seasonal business: every line, where its low point falls, a what-if for a new hire, and a layout to copy.
- Cash flow from operations: the formula, three worked examples, and what it tells you Cash flow from operations is the cash your trading brought in: profit plus depreciation, less cash tied up in debtors and stock, less tax. Formula and examples.
- Cash flow problems: the warning signs, the causes, and how to find yours in Xero The early warning signs of cash flow problems in a small business, the eight usual causes, how to tell which one you have from Xero, and what to do this week.
- Xero dashboard explained: what each widget tells you, and what it leaves out What each widget on the Xero dashboard (homepage) shows, what it cannot tell you, how to set it up, and a worked example of reading it in five minutes.
- Cash inflows and outflows: examples from a real small business month What counts as a cash inflow and a cash outflow, with a worked month for a small business, which ones never show on the P&L, and where to see them in Xero.
- Cash flow budget: how to build one, with a worked example What a cash flow budget is, how it differs from a profit budget and a forecast, how to build one in six steps, and a worked three-month example.
- Cash flow loans for small business: how they work, what they really cost, and when not to take one What a cash flow loan is, how lenders decide, why a factor rate costs more than it sounds, a worked example of the cash it really frees up, and cheaper fixes.
- Cash flow analysis for a small business: six checks, with a worked example How to analyse your business's cash flow in six checks: where the cash went, cash vs profit, debtors and stock, drawings, tax and the low point. Worked example.
- Cash float: what it means, how much to keep in the till, and how to record it in Xero What a cash float is (the till float and the timing float), how to size one, a worked end-of-day cash-up and banking figure, and how to record both in Xero.
- What is cash flow? The meaning for a small business, with a worked month What cash flow means for a small business, the three kinds, positive vs negative cash flow, a worked month where profit was 17,000 but cash fell, and Xero.
- Managing cash flow in a small business: a 15-minute weekly routine with Xero How to manage cash flow in a small business: a 15-minute Monday routine in Xero, a cash floor, and a worked four weeks where the bank was heading to 600.
- Cash conversion ratio: how much of your profit turns into cash Cash conversion ratio = operating cash flow ÷ net profit. The formula, EBITDA and free cash flow versions, a worked example from Xero, and what's good.
- Cash flow chart: which chart to use, with a 12-month example How to make a cash flow chart for a small business: cash in vs out, closing balance, waterfall and flow diagram, a 12-month worked example and Xero steps.
- Cash flow cover: can your business afford the loan repayments? Cash flow cover = cash available for repayments ÷ yearly loan repayments. The formula, a worked loan example, interest cover, and how to get it from Xero.
- 3 way cash flow forecast: how the three statements link, with an example A 3-way forecast links the Profit and Loss, Balance Sheet and cash flow so they agree. How it works, a worked quarter, a what-if and how to build one from Xero.
- Xero BAS report: run the activity statement and know what you will owe Which Xero report gives your BAS figures, the checks before you lodge, a worked quarter with GST, PAYG and the cash to set aside, and cash vs accruals GST.
- Xero GST return (NZ): what each box means and what to check before you file Where the GST return is in Xero, what boxes 5 to 15 mean, the checks before you file with Inland Revenue, and a worked two-month period with the GST to keep.
- Xero VAT return: what each box means and what to check before you submit Where the VAT return is in Xero, what boxes 1 to 9 mean, the checks before you submit to HMRC, and a worked quarter with the VAT to set aside.
- Construction cash flow projection: a worked example for builders and contractors Project a building job's cash month by month: valuations, payment terms, retentions and when subcontractors are paid. A worked £240,000 example, and Xero steps.
- Xero payroll reports: which ones to run, and what your wages really cost The Xero payroll reports owners and bookkeepers use, a worked month that checks payroll against the P&L, the cash it takes, the tax still owed and leave owed.
- Unlevered free cash flow vs levered free cash flow, with a small business example Unlevered free cash flow is the cash a business makes before paying its lenders; levered is what is left after. Both formulas, a worked example, Xero steps.
- CFADS: cash flow available for debt service, with a small business example CFADS is the cash a business has left to pay its lenders. The formula, a worked example, the two lender definitions, how much it lets you borrow, Xero steps.
- Cash flow model: how to build one for a small business, with an example A cash flow model turns a few assumptions into a month-by-month bank balance. The parts, a worked 6-month model, four what-ifs and the Xero steps.
- Cash flow from investing and financing activities: what goes in each, with a worked example Investing activities: cash spent on or raised from long-term assets. Financing activities: loans, owner money, drawings and dividends. Examples and Xero steps.
- Xero bank reconciliation report: how to run it and read it How to run the Bank Reconciliation report in Xero, what each line means, which outstanding items are normal, and a worked month end that finds two old mistakes.
- Cumulative cash flow: what it is, how to work it out, and what it tells you Cumulative cash flow is the running total of net cash flow. The formula, a worked second-site example with the funding need and payback month, Excel and Xero.
- Cash flow spreadsheet: how to set one up, with the formulas and a worked example How to build a small business cash flow spreadsheet in Excel or Google Sheets: the rows, the five formulas, a six-month worked example and filling it from Xero.
- Xero Cash Summary report: what each line means and how to read it What Xero's Cash Summary report shows, why its Surplus is not your profit, where drawings, loans and GST go, and a worked month with a falling bank balance.
- Loan repayments in Xero: why they are not on your Profit and Loss, and how to record them Why only the interest on a business loan reaches the Xero Profit and Loss, how to record the loan and each repayment, a worked year, and two costly mistakes.
- GST threshold: when you must register for GST in Australia, with a worked example When an Australian business must register for GST: the $75,000 GST turnover test, current vs projected, what is left out, the 21-day rule and checks in Xero.
Profit and the Profit and Loss
- How to read your Profit and Loss in Xero: a plain-English guide for owners What each line of the Xero Profit and Loss means, the three numbers worth checking every month, and how to compare months so the report tells you what changed.
- Cash vs accrual in Xero: which basis your reports use and how to switch Xero records on an accrual basis but can show reports on a cash basis. What changes between the two, a worked month with numbers, how to switch, and the traps.
- Gross profit margin in Xero: where to find it and why it moves Where Xero shows gross profit and gross margin, how to work the percentage out, a worked example of a margin slip, and the usual reasons it moves.
- Why did my profit drop this month? How to find the cause in Xero Profit falls from lower sales, a thinner margin or higher overheads. How to split a drop between the three in Xero, with a worked $6,700 example.
- Profit and Loss by month in Xero: see 12 months side by side and read the trend How to run a month-by-month Profit and Loss in Xero, the settings that trip people up, and how to read a year of columns, with a worked 12-month example.
- Where is my business money going? How to find your biggest costs in Xero See where your business money goes in Xero: rank a year of costs, total spend by supplier, find creeping subscriptions. Worked example that finds $10,140.
- How do I know if my business is doing well? A 15-minute monthly check in Xero Five checks in Xero tell you if your business is doing well: profit trend, margin, free cash, how fast customers pay and bills due. Worked example included.
- How to see profit by job in Xero (and why it often looks too good) Tag each job with a tracking category, compare jobs in the Profit and Loss, then add the labour Xero leaves out. Worked example with three jobs.
- Profit and loss statement example: a small business P&L, line by line A full example profit and loss statement for a small café, each line explained as a share of sales, plus a sole trader month and a layout to copy.
- Gross profit vs net profit: the difference, with a worked example Gross profit is sales minus the direct cost of those sales; net profit is what is left after every cost. Formulas, where Xero shows each, and a worked example.
- Operating profit: what it is, the formula, and a worked example Operating profit is gross profit minus operating expenses, before interest and tax. The formula, a worked example, EBIT vs EBITDA, and how to find it in Xero.
- Xero Business Snapshot explained: how to read each number, with a worked month What each part of the Xero Business Snapshot shows, what it cannot tell you, and a worked month where profit rose while margin and cash quietly got worse.
- Profit and loss forecast: how to make one, with a worked example What a profit and loss (P&L) forecast is, how to build one from last year's figures in six steps, a worked year for an electrical contractor, and Xero.
- Trading profit: what it means, how to work it out, and the tax on it Trading profit means three things: a sole trader's taxable profit, a company's operating profit, or gross profit from a trading account. Worked UK examples.
- Common size profit and loss statement: vertical and horizontal analysis, with an example A common size P&L shows every line as a % of sales. With horizontal analysis (change vs last year) it shows why profit moved. A worked two-year example.
- True profit: what your business really makes once you pay yourself True profit is net profit after a fair wage for your own time and a return on the money you put in. How to work it out from Xero, with a worked example.
- Types of profit: gross, operating, before tax, net and retained, in one worked example The types of profit a business reports, from gross profit to profit before tax, net profit and retained profit, with one company's year worked through and Xero.
- Profit and loss statement for self-employed sole traders: what to include, a worked example and who asks for one How a sole trader writes a profit and loss statement for a landlord, lender or Centrelink: what goes on it, a hairdresser's year worked through, and Xero steps.
- Xero reports: the six an owner needs, and how to save custom reports Which Xero financial reports to run each month and what each answers, a worked month where profit was 7,700 but cash fell 9,200, and how to save custom reports.
- Operating profit margin: the formula, what a good one is, and how to check yours Operating profit margin is operating profit ÷ sales × 100. The formula, three tests for whether yours is good enough, and a worked example from Xero figures.
- Seller's discretionary earnings (SDE): how to work out what your business earns its owner SDE = net profit before tax + the owner's pay + interest + depreciation + one-off and personal costs. A worked example, what buyers accept, and the Xero steps.
- Restaurant profit and loss statement: a worked example, line by line A restaurant P&L for a busy month and a quiet one: food and drink cost, prime cost, wages as a share of sales, the stock count, and how to set it up in Xero.
- P&L management: a monthly routine for small business owners What P&L management means for an owner, a 30-minute monthly routine in Xero, and a worked month where sales rose 3% but profit fell 34%, and how to fix it.
- Consolidated profit and loss statement: a worked example for two companies in Xero Combine the Profit and Loss of two or more companies into one group figure, remove intercompany sales and recharges, and do it from Xero. Worked example.
- Discounted cash flow (DCF): how to value a small business, with a worked example A discounted cash flow values a business as today's worth of the cash it will make. A worked example, terminal value, the discount rate and the Xero figures.
- Incremental cash flow: is a new contract, hire or machine worth it? Incremental cash flow is the extra cash a decision brings in, less the extra cash it costs. The formula, what to leave out and a worked bakery contract example.
- Year to date profit and loss statement: run it in Xero and read it properly A YTD profit and loss covers your financial year so far. How to run one in Xero, compare it with last year and project the full year, with a worked example.
- Net operating loss: what happens to tax when your business makes a loss A net operating loss (a tax loss) cuts tax in later profitable years or, in the UK, earns a refund. Worked AU and UK examples, sole trader rules, Xero steps.
- Terminal value: how to calculate it, with a small business example Terminal value is what a business is worth after the forecast years in a DCF. Both formulas, a worked example, how to check one against the other, and mistakes.
- Profit before tax: what it is, how to work it out, and the tax on it Profit before tax is profit after every cost and interest, before income or corporation tax. The formula, a worked example, and the tax in the UK, AU and NZ.
- How much does Xero cost a month? Every plan in the UK, Australia and NZ What each Xero plan costs a month in the UK, Australia and New Zealand, what payroll and other extras add, and a worked yearly cost after VAT or GST.
- Xero custom reports: how to build, save and reuse them How to make a custom report in Xero with the layout editor, groups and formula rows, save it to the Custom tab, and a worked example that found a margin slip.
- Profit and loss account: what it is, the UK layout and a worked example What a profit and loss account is in UK accounts, the Companies Act layout line by line, a worked limited company example, and how Xero's report maps onto it.
- Fixed and variable costs: examples, and how to split your own Fixed costs stay the same when sales change; variable costs move with them. Examples, a bakery worked example with break-even, and how to split costs in Xero.
- Turnover vs profit: the difference, with a worked example Turnover is everything you sell; profit is what is left after costs. A worked example, why discounts can wipe out profit, and where Xero shows each.
- What is a good profit margin for a small business? There is no single good margin. How to work out the margin your business needs, why the owner's pay changes everything, and how to compare with your trade.
- Profit and Loss detail in Xero: how to see the transactions behind any line Xero has no Profit and Loss Detail report. How to see every transaction behind a P&L line with Account Transactions, a worked example, and what to look for.
- Prepayments in Xero: spread a yearly bill so one month's profit is not wrecked How to record a prepayment in Xero so a yearly bill like insurance is spread over the months it covers: a worked year and the repeating journal.
- Depreciation in Xero: why the equipment you bought is not a cost on your Profit and Loss Why a van or machine you bought shows on the Balance Sheet, not the P&L, how depreciation spreads its cost, and how to set it up in Xero's fixed assets.
- Accruals in Xero: put a late bill in the month it belongs to How to accrue a cost in Xero when the bill has not arrived by month end: a worked two months and the auto-reversing manual journal.
- Unrealised Currency Gains in Xero: why your profit moved when nothing was paid Why Unrealised Currency Gains and Bank Revaluations change your Xero profit with no cash moving, with a worked month where profit rose 487.50 on paper.
- EBIT: what it means, the formula, and a worked example from a small business EBIT is earnings before interest and tax. Both formulas, a worked company example, EBIT margin, interest cover, EBIT vs EBITDA, and how to get it from Xero.
Balance Sheet and paying yourself
- How much can I pay myself from my business? A check you can run in Xero A plain-English way for a business owner to work out how much they can safely take out each month, using the profit, cash and bills already in Xero.
- How to read your Balance Sheet in Xero: a plain-English walkthrough What each section of the Xero Balance Sheet means, a worked example with numbers, the five lines worth checking every month, and what odd balances usually mean.
- Profit and loss vs balance sheet: the difference, with one business's numbers The P&L covers a period, the Balance Sheet one date. How the two connect in Xero, and a worked example where a $30,000 profit left the bank $11,000 lower.
- Centrelink profit and loss statement: filling in the SU580 from Xero How to fill in Centrelink's SU580 profit and loss statement from your Xero figures: what to add back, a worked sole trader example and the fortnightly sum.
- Retained earnings (retained profit): what they are and how to calculate them Retained earnings are the profits a company has kept since it started, after tax and dividends. The formula, a 3-year worked example, and where Xero shows them.
- Xero annual report: how to run year-end accounts and financial statements Which Xero reports make up a small business's annual accounts, the year-end checks to do first, a worked example with last year's figures, and who files what.
- Xero trial balance: how to run it, read it and check it How to run the Trial Balance in Xero, what the columns mean, why it always balances, and a worked year end where totals agree but profit was 7,840 too high.
- Director's loan account: how it works, the tax rules and a worked example What a director's loan account is, when an overdrawn one costs tax (s455, benefit in kind), a year of entries worked through, and how to check yours in Xero.
- How much to set aside for tax: GST, VAT and income tax, with an example How much of each payment to put aside for GST or VAT, wage tax and income tax, a worked quarter, the first-year trap, and where Xero shows what you owe.
- Can't pay your BAS, GST or VAT bill on time? What to do, step by step Lodge on time anyway, pay what you can, then set up an ATO payment plan, IRD instalment arrangement or HMRC Time to Pay. A worked example and the traps.
- Xero month end checklist: 12 checks before you trust the numbers A month end close checklist for Xero, in order, and a worked month where five fixes moved profit from £11,200 to £14,490 and the gross margin from 63% to 58%.
- Owner drawings in Xero: why they are not on your Profit and Loss, and how to record them Why money a sole trader or partner takes out never reaches the Xero Profit and Loss, why tax is on profit not drawings, how to record it, and a worked year.
- Suspense account in Xero: what it is, why it matters and how to clear it What the Suspense account in Xero is, why a balance there makes your profit wrong, and how to clear it, with a worked quarter where profit was 1,150 too high.
- Historical Adjustment account in Xero: what it means and how to clear it Why Xero shows a Historical Adjustment balance on your Balance Sheet, what it says about your opening figures, and how to clear it, with a worked café example.
- Division 7A loans explained: the 2026-27 benchmark rate, minimum repayments and a worked example How Division 7A treats money a Pty Ltd lends or pays to its owners, the 8.77% benchmark rate for 2026-27, a minimum repayment worked through, and Xero.
- Provisional tax in NZ: how it works, the dates and a worked example How NZ provisional tax works: the $5,000 threshold, the standard option (last year plus 5%), 2026-27 dates, terminal tax and the squeeze after a good year.
- PAYG instalments: how they are calculated, the dates and a worked example How PAYG instalments work for a small business: who has to pay, option 1 (amount) vs option 2 (rate), 2026-27 due dates, varying, and the catch in a good year.
- Making Tax Digital for Income Tax: who it applies to, the dates and what changes in Xero Making Tax Digital for Income Tax: the £50,000, £30,000 and £20,000 thresholds, the 2026-27 quarterly dates, the soft landing, and doing it in Xero.
- How to pay dividends from a limited company, and record them in Xero How much dividend your company can legally pay, the cash check that matters as much, 2026-27 dividend tax with a worked example, and the Xero entries.
- Salary vs dividends: the best way to pay yourself as a limited company director (2026-27) £5,000, £6,708 or £12,570? A worked 2026-27 comparison of director salary and dividends with and without the Employment Allowance, and how to run it in Xero.
- Xero year end checklist: how to close the financial year in Xero The Xero year end process in order: what Xero does on its own, the adjustments to post, payroll year end in the UK, AU and NZ, lock dates and a worked example.
Customers, suppliers and stock
- Who owes me money? Finding unpaid invoices in Xero and getting paid How a business owner sees who owes them money in Xero, how late each customer is, which invoices to chase first, and the settings that get you paid sooner.
- Xero invoice reminders: set them up so customers pay sooner How to turn on Xero's automatic invoice reminders, a reminder schedule that works, what to write, why some reminders never send, and what it is worth in cash.
- How to calculate creditor days (and what your Xero figure means) The creditor days formula, which Xero figures to use, why the GST and the divisor matter, and how to tell if you pay suppliers too early or too late.
- How to calculate stock days (inventory days) from your Xero figures The stock days formula, which Xero figures to use, why the stock figure may be months out of date, and how much cash fewer stock days would free.
- Xero sales report: sales by month, by customer and by item Which Xero report shows your sales by month, by customer and by item, why the totals often disagree with the Profit and Loss, and a worked example.
- Cost of goods sold: what it includes, how to calculate it, and how Xero records it Cost of goods sold is the cost of the stock you sold, not what you bought. The formula, what belongs in it, a shop worked example, and fixing it in Xero.
- How to write off a bad debt in Xero, and the GST or VAT you can get back When an invoice will never be paid: how to write it off in Xero with a credit note, what it does to profit, and claiming back GST (AU, NZ) or VAT (UK).
- Invoice payment terms: 7, 14 or 30 days? Which payment terms to put on your invoices, what each choice does to your cash, a worked example, the UK late payment rules, and how to set terms in Xero.
- Xero customer statements: Outstanding vs Activity, and how to send them How to send customer statements from Xero, the difference between Outstanding and Activity statements, a worked month, and what statements cannot do.
For bookkeepers and practices
What Xero does natively, where the gaps are, and how practices handle monthly reporting without the copy-and-paste.
- How to email a Xero Profit and Loss automatically every month What Xero does natively for monthly Profit and Loss reporting, what still has to be done by hand, and how to automate the monthly email safely.
- How to send a monthly management pack from Xero Management accounts from Xero: which reports go in a monthly management pack, how to build it with Xero's Management report, and how to send it on time.
- Automating aged receivables reminders to directors Xero's invoice reminders chase customers. Directors need a different view: a regular aged receivables summary. Here is how to set that up.
- Xero report scheduling: what Xero does and doesn't do A plain guide to what Xero automates natively, from invoice reminders to report packs, and where scheduled report emails still need another tool.
- Automating Xero report emails: the options compared Xero does not yet email reports on a schedule. Here are the realistic ways to get Xero reports to clients and directors automatically, and the trade-offs.
- The Xero Executive Summary report explained, line by line What each section and ratio in Xero's Executive Summary means, how the figures are worked out, and the traps to watch before sending it to a director.
- Budget vs actual in Xero: Budget Summary or Budget Variance? Set up a budget in Xero, understand Budget Summary vs Budget Variance, check which plans include budgets, and report budget vs actual each month.
- Aged debtors and aged creditors in Xero: the settings that change the numbers Xero's Aged Receivables and Aged Payables reports explained: summary vs detail, ageing by due date or invoice date, the as-at date, and sending them regularly.
- How to send Xero reports to clients: five methods for bookkeepers and practices The practical ways to get Xero reports to clients, from email and published reports to Partner Hub packs and scheduled sending, with the trade-offs of each.
- Xero management report: cover page, notes and commentary Make Xero's Management Report read like a finished pack: text blocks, notes, report styles and logos, what Xero can't do yet, and a fuller cover page.
- Variance commentary examples for management accounts Before-and-after examples of variance commentary for revenue, margin, overheads, cash and debtors, against budget and last month, plus a structure to follow.
- A board report template for small businesses using Xero A board report structure for small companies and not-for-profits: what goes in the finance section, which Xero reports to use, and how to get it out on time.
- Xero tracking category reports: a profit and loss by location or department Run a Profit and Loss by tracking category in Xero, clean up the Unassigned column, and share overheads fairly. Worked two-site example with a month-end check.
- Xero reporting tools compared: Fathom, Syft, Spotlight Reporting and Joiin What Fathom, Syft, Spotlight Reporting and Joiin each do best for bookkeepers on Xero, how they charge, and when a simple monthly email to clients is enough.
- Software for bookkeepers: the tools a small practice actually needs The five kinds of software a bookkeeping practice needs: ledger, receipt capture, practice management, payroll and client reports, with a 15-client example.
- IAS 7 statement of cash flows: a plain-English guide with a worked example IAS 7 in plain English: the three sections, cash equivalents, direct vs indirect, where interest goes and what IFRS 18 changes from 2027, with a worked example.
Free calculators, no sign-up
- Cash runway calculator: How long will my cash last?
- Debt service coverage ratio calculator: How much can my business borrow?
- Cash flow forecast template: Will I have enough cash every month this year?
- Profit but no cash? explainer: I made a profit, so where is the cash?
- Net cash flow calculator: Did more cash come in than went out?
- Profit and loss sheet: Did I make a profit, and how much?
- Net profit calculator: What is my net profit, and how much can I take?
- Free cash flow calculator: How much cash does the business really make?
- EBITDA calculator: What does the trading itself earn?
- Debtor days calculator: How long do my customers take to pay?
- Late payment interest calculator: How much interest can I charge on a late invoice?
- Cash conversion cycle calculator: How long is my cash tied up?
- Stock turnover calculator: How fast does my stock sell?
- Payback period calculator: When will it pay for itself?
- Sales growth calculator: Is my business growing?
- Centrelink profit and loss calculator: What income will Centrelink see?
- Profit First calculator: What should go to profit, pay and tax?
- Working capital calculator: Can I pay what is due this year?
- Break-even calculator: How much do I need to sell each month?
- Wage percentage calculator: What share of my sales goes on wages?
- Can I afford to hire? calculator: Can I afford to hire someone?
- Corporation tax calculator (UK): How much corporation tax will my company pay?
- VAT threshold calculator (UK): Am I close to the VAT threshold?
- Customer concentration calculator: How reliant am I on one customer?
- Margin and markup calculator: What price gives me the margin I want?
- Charge-out rate calculator: What should I charge per hour?
- Overhead rate calculator: What do my overheads cost per hour?
- Price increase and discount calculator: If I put my prices up, how many customers can I lose?
- Management accounts commentary generator: What should the month-end commentary say?