Dashboard
Total Monthly Cost
$0.00
Total Monthly Income
$0.00
Net Monthly Profit
$0.00
Operational Expenses
$0.00
Monthly Team Cost
$0.00
Monthly Mgmt Cost
$0.00
Target Monthly Revenue
$0.00
To hit % MarginTarget Revenue (Flat Profit)
$0.00
Cost + profit targetBreak-even Rate
$0.00
Min. viable — 0% marginTarget Billable Rate
$0.00
Based on CapacityCost & Income Trend
One data point per day this app was open — needs at least two days of history to plot.
Income Sources
| Source Name | Category | Amount (Orig. Currency) | Frequency | Monthly Impact (Base) | Actions |
|---|
Fixed Operational Expenses
| Expense Name | Category | Amount (Orig. Currency) | Frequency | Monthly Impact (Base) | Actions |
|---|
Management & Consulting
| Role / Name | Monthly Cost (Orig. Currency) | Monthly Impact (Base) | Actions |
|---|
Production Team
| Role / Name | Monthly Cost (Orig. Currency) | Hours/Month | Utilization % | Actions |
|---|
Current Liquidity
$0.00
Lowest Projected
$0.00
Balance at End
$0.00
Total Inflows
Total Outflows
Cash Flow Projection
Monthly Projected Totals
Historical Monthly Cash Flow
Actual past-dated Payments/Receivables, by month — separate from the projection above.
Upcoming Transactions (Flow)
| Date | Description | Type | Amount | Balance |
|---|
One-Time Payments (Outflows)
| Date | Description | Amount | Status | Actions |
|---|
One-Time Receivables (Inflows)
| Due Date | Description | Amount | Status | Actions |
|---|
Monthly Recurring Payables (Templates)
Automatically projected into Payments (Out) for the entire "Look Ahead" window on the Forecast dashboard — no manual step needed.
| Day of Month | Description | Amount | Actions |
|---|
Monthly Recurring Receivables (Templates)
Automatically projected into Receivables (In) for the entire "Look Ahead" window on the Forecast dashboard — no manual step needed.
| Day of Month | Description | Amount | Actions |
|---|
Starting Assets (Cash Flow)
Read-only here — this is the same Assets list as Portfolio Tracker, so the forecast's starting balance always matches your actual accounts. Add, edit, or remove accounts in Portfolio Tracker → Assets.
| Account Name | Balance | Value (Display) |
|---|
Current Assets
$0.00
Receivables
$0.00
Total Liabilities
$0.00
Net Worth
$0.00
Net Worth Trend
Snapshot History
| Date | Assets | Receivables | Debts | Net Worth | Actions |
|---|
Current Assets (Cash, Bank, Properties)
| Asset Name | Current Value (Orig. Currency) | Value (Display) | Actions |
|---|
Current Receivables (Invoices, Loans Given)
| Source Name | Amount (Orig. Currency) | Value (Display) | Due Date | Status | Actions |
|---|
Current Debts (Credit Cards, Loans Taken)
| Creditor / Description | Amount (Orig. Currency) | Value (Display) | Due Date | Status | Actions |
|---|
Global Configuration
Base currency and exchange rates are shared across the Business Calculator, Cash Flow Forecast, and Portfolio Tracker.
Currency Exchange Rates
Define how many units of Quote Currency equal 1 Base Unit (e.g. 1 USD = 34 TRY).
| Currency Code | Rate (1 Base = X Rate) | Preview | Actions |
|---|
Business Calculator Targets
App Preferences
Danger Zone
Permanently erases every expense, payment, asset, and snapshot in all three modules, and resets Settings to defaults. This cannot be undone — export a backup first if there's anything here you want to keep.
Terminology
What the Business Calculator's dashboard cards actually mean.
Break-even Rate
The hourly rate at which revenue exactly equals cost — zero profit, zero loss. This is the absolute floor: charging less than this loses money on every hour billed. Does not include your margin.
Target Billable Rate
The Break-even Rate with your target profit margin applied on top. This is the rate to actually charge if you want to hit the margin % set in Business Calculator Targets.
Target Monthly Revenue
The total revenue needed this period to hit your target margin %, computed as cost ÷ (1 − margin%) — a true margin, not a markup (see "Margin vs. Markup" below).
Target Revenue (Flat Profit)
Cost plus a fixed profit amount you set (Business Calculator Targets → Target Profit Amount), independent of the %-margin target above. Useful when you have a specific dollar/lira profit goal rather than a percentage.
Margin vs. Markup
Margin is profit as a share of revenue (profit ÷ revenue). Markup is profit as a share of cost (profit ÷ cost). A 30% markup on cost is only about a 23% margin — this app's targets always use true margin.
Base Currency vs. Display Currency
Base Currency (Settings) is the single currency everything is internally converted to for calculations. Display Currency is just how numbers are shown on screen — switching it never changes any stored amount.
Net Worth
(Assets + Receivables) − Debts, as tracked in Portfolio Tracker. Snapshots record this over time so you can see the trend, not just the current number.
Recurring vs. One-Time (Cash Flow)
Recurring Payables/Receivables are monthly templates (a day-of-month + amount) that automatically project into the forecast for however far out you look. One-time Payments/Receivables are single dated entries — an invoice, a specific bill — entered once.
Frequently Asked Questions
Where is my data stored?
Entirely in this browser's local storage, on this device. There is no account, no server, and no database behind this app — it's a static page that runs completely client-side.
Is any of my financial data sent anywhere?
No. The only network request this app ever makes is the optional "Fetch Latest Rates" button, which calls a public currency-exchange API to pull exchange rates — it sends a currency code (e.g. "usd") and nothing about your data. Everything else works fully offline. See Privacy & Disclaimer for the full picture.
How do I make sure I don't lose my data?
Click Save Data (or Save Encrypted for a password-protected copy) regularly — it downloads a JSON file to your device. Local storage can be cleared by your browser, a cache-clearing tool, or switching devices, and there is no cloud copy to fall back on. A banner will remind you if it's been a while since your last export.
I have a backup file — how do I load it?
Click Load in the sidebar and pick the JSON file. This fully replaces the current data in each module it covers (Business Calculator, Cash Flow, Portfolio) — it's a full restore, not a merge.
What's the difference between Base Currency and Display Currency?
Base Currency is the single currency every amount is internally converted to for calculations (Settings → Global Configuration). Display Currency is just how numbers are shown on screen — switching it never changes any stored amount, only the presentation.
Can I move data between the three modules?
Portfolio Tracker's Assets list is the single source of truth for cash balances — Cash Flow Forecast reads from it directly. For recurring costs/income, use the Sync to Cash Flow button on the Business Calculator dashboard to push Expenses/Team/Management/Incomes into Cash Flow's recurring templates.
Can I export to Excel or hand this to my accountant?
Yes — every table has an Export CSV button. Edit the CSV in a spreadsheet and use Import CSV on the same table to bring changes back in; rows are matched by their id column.
I forgot my encrypted backup's password. Can it be recovered?
No — by design. There's no password reset, no key stored anywhere, and no way for anyone (including the developer) to unlock it. Keep the password somewhere safe, separate from the file.
Who made this, and can I reach them?
BizCalc Suite is made and given away for free by Selçuk Engin — selcuk@engintasarim.com. Bug reports, questions, and feature requests are all welcome.
Privacy & Disclaimer
Your data never leaves your device
This app has no backend, no account system, no analytics, and no tracking of any kind. Every number you enter — expenses, incomes, balances, debts — is written only to this browser's local storage, on this device. Nobody else, including the person who built this app, can see it.
The one exception
The "Fetch Latest Rates" button on the Settings page calls a public third-party currency-exchange API to pull current exchange rates. That request sends only your chosen base currency code (e.g. "usd") — never any of your financial data. If you never click that button, this app makes zero network requests after the page loads.
Backups are your responsibility
Because nothing is stored anywhere else, clearing your browser's site data, switching browsers, or getting a new device will erase everything unless you've exported a backup first (Save Data / Save Encrypted). This app will remind you if it's been a while since your last export, but it cannot create a backup for you automatically.
This app can change — compatibility is best-effort, not guaranteed
Features may be added, renamed, or restructured over time. We try hard to keep older saved data and backup files working with newer versions, but we cannot promise every future update will be fully compatible with every past export. Export a fresh backup before updating whenever you can, and keep older backup files around rather than overwriting them.
Not financial, legal, or accounting advice
This tool performs arithmetic on the numbers you provide — margin, break-even, cash-flow projections, net worth. It does not know your tax situation, your jurisdiction, or your business's specific circumstances, and nothing it displays should be treated as professional financial, legal, or accounting advice. Verify important decisions with a qualified professional.
No warranty
This software is provided as-is, without warranty of any kind. Calculations are believed correct but not guaranteed error-free — always sanity-check figures that matter before acting on them.
Credits
BizCalc Suite is made and given away for free by Selçuk Engin (selcuk@engintasarim.com). Questions, bug reports, and feature ideas are welcome.