💰
Revenue last 3 months
Step 1 of 3
VAT Registered?
Enter all income including VAT if you're VAT-registered. If you only have a rough figure for all 3 months, divide by 3 and enter the same number each month.
Month 1
£
Month 2
£
Month 3
£
Mo1 ex-VAT
£0
Mo2 ex-VAT
£0
Mo3 ex-VAT
£0
🔒 Your data never leaves this device.
🏭
Direct Costs monthly average
Step 2 of 3The cost of what you buy to sell — raw materials, ingredients, stock. Only include costs that directly relate to what you sell. Staff wages go in the next section.
£
Wages of staff who directly make or deliver your product — kitchen staff, production workers. Not office or admin staff.
£
📋
Operating Expenses monthly average
Your monthly rent plus business rates. Note: retail, hospitality and leisure businesses get 40% rates relief in 2025/26, capped at £110,000.
£
Gross wages for all non-production staff. National Living Wage from Apr 2025: £12.21/hr for staff aged 21+.
£
13.8% on each employee's wages above £5,000/yr (from Apr 2025). You can offset up to £10,500/yr via Employment Allowance — claim this through your payroll software.
£
Total monthly repayments on all business loans, overdrafts, hire purchase, and credit cards.
£
£
Public liability is recommended. Employer's liability is legally required if you have staff. Professional Indemnity if you give advice.
£
£
£
£
£
🏢
Your Business balance sheet snapshot
Step 3 of 3Total cash across all your business accounts right now. This is used to calculate how many months you can survive without new revenue.
£
Money customers owe you but haven't paid yet — outstanding invoices. Used to calculate Debtor Days: how long customers take to pay.
£
Money you owe suppliers but haven't paid yet. Used to calculate Working Capital — your ability to pay short-term obligations.
£
All outstanding loans, overdraft balance, credit cards, hire purchase. Not monthly payments — the total amount still owed.
£
Current value of unsold stock at cost price. Leave blank if you're a service business with no physical stock.
£
Full-time equivalent (FTE). Part-time staff: count each as a fraction — e.g. 2 part-timers working 20hrs each = 1 FTE.
#
Analysing your business...
Comparing to UK sector benchmarks · ONS 2024/25
Business looks healthy
Your key metrics are within acceptable ranges. See below for specific indicators and what to action this week.
Analysis in process...
3-Month Summary
Total Revenue
£0
Net Profit / (Loss)
£0
Avg Net Margin
0%
EBITDA (monthly)
£0
Cash Runway
—
Breakeven / Month
£0
Breakeven Analysis
Monthly Breakeven Revenue
The minimum you need to cover all costs
£0
🎯
Health Indicators
PROFITABILITY
CASH & LIQUIDITY
EFFICIENCY
📊
vs UK Sector Average
🥧
Cost Breakdown monthly
VAT Threshold Alert
Your 3-month revenue suggests you may be approaching the £90,000 annual VAT threshold. You must register with HMRC within 30 days of exceeding it.
⚡
Recommended Actions
💷
UK Tax Reference 2025/26
Corporation Tax
Small profits rate (≤ £50,000)19%
Main rate (≥ £250,000)25%
Marginal relief (£50k–£250k)19–25%
Payment deadline9 months + 1 day
VAT
Registration threshold£90,000 / yr
Standard rate20%
Making Tax DigitalMandatory
Late payment penalty5% after 15 days
National Insurance — Employer
Employer NIC rate13.8%
Secondary threshold (Apr 2025)£5,000 / yr
Employment Allowance£10,500 / yr
National Living Wage (21+)£12.21 / hr
NLW (18–20 yrs)£10.00 / hr
Business Rates 2025/26
Retail / Hosp / Leisure relief40% discount
Cap per business£110,000
Small Business Rate Relief (RV ≤ £12k)100%
Key Deadlines
Self Assessment31 January
VAT return + payment1 month + 7 days
ICO registration (if you hold customer data)£40–60 / yr
✅
Action Checklist
This Week — Urgent
This Month
Explore — Growth
This report is for informational purposes only and does not constitute financial, legal or tax advice. Always consult a qualified accountant or financial adviser before making business decisions. Sources: ONS · HMRC 2025/26 · FSB · British Business Bank.