Toolbox: eight free tools that read your own files
Each tool reads a file you already have (a bank export, a profit and loss, a month-end report) and puts its answer at the top in ten seconds. Everything runs in your browser. Nothing is uploaded. Every tool has a button that fills in a sample practice, so you can see it work before you give it a single number.
Please read. Educational software, not tax, accounting, legal, lending or investment advice. Your CPA reviews and owns your books and signs your returns.
13-week cash forecast
Will there be enough cash for payroll and rent?
Finds the bills and deposits that repeat in your bank file and projects thirteen weeks. Slide "insurance pays late" to see what a slow payer does to your low point.
Lowest point $49,782 in week 3. If insurers pay 30 days late, the low point is $14,561.
Bookkeeping and monthly close
Is this month's bookkeeping right, and what needs a look?
Sorts every bank line into a P&L category with vendor rules you can edit, builds the monthly profit and loss, lists the lines to review (new vendors, big swings, missing bills, doubled payments), compares to budget and prints a month-close summary.
1 line to review before closing the month.
Buyer toolkit
Can this practice pay the loan and pay me?
A doctor buying a practice enters the seller's numbers, the loan and a target take-home. The answer is Yes, Tight or No, with coverage, the monthly payment, what is left and a short list of questions for the seller's broker and your lender.
$8,059 a month on the loan, and $20,317 a year left after you and the loan.
Transition readiness
How ready do my numbers look to a buyer?
Scores up to seven factors from your files (overhead, team cost, rent, collections trend, collections against production, insurer mix, hygiene reappointment) and shows what would move the score. A score, not a price.
A score, not a price.
Tax organizer for your CPA
What does my CPA need from me?
Builds one printable organizer from your bank file: categorized annual totals, owner pay, payroll, loans, large purchases, the items your CPA will ask about and the documents to gather. Your CPA reviews it and signs the return.
$760,000 collected, $45,000 in owner draws, $69,072 of loan payments, 3 large purchases.
Payroll audit
Is payroll in line, and is every payment right?
Reads the payroll lines in your bank file: payroll as a share of collections against a labeled benchmark, the month-by-month trend, and any doubled, off-cycle, different-amount, one-off or missing payments. It never runs payroll or moves money.
Inside the usual 24 to 30% once the owner's own pay is taken out; 0 odd payments.
Owner money
Is my pay supported by the practice, and how fast does my debt go?
Compares what you take out with what the practice makes after its loans, and adds a debt payoff calculator (amortization, extra payments, highest-rate or smallest-balance first). Education only.
$69,930 a year stays in the practice after loans and your pay. The sample's three debts are paid off in 8 years on minimums.
Add a hygienist or a chair
Would another hygienist or chair pay for itself?
Put in the visit, the pay and the set-up cost, or let a month-end report fill your production per visit. See the payback in months, the net a year and how full the schedule must be to break even.
$85,271 a year at 70% full; it must be about 39% full to break even. Starting values, not benchmarks.
What stays with a licensed person
The toolbox does the reading, sorting, comparing and reminding. These steps belong to someone licensed, and nothing here replaces them: signing a tax return, giving tax or legal advice, a lender's decision to lend, a formal appraisal, and personal investment advice. Where a tool hands you something for one of them, it says so and gives you the questions to bring.
Your files are read on this device. They are kept for this browser tab only, so each tool can use the same files, and you can remove them any time. Where your numbers go.