Blog
Deep, practical reference guides. The reasoning and detail behind the numbers our calculators produce.
Break-Even Point vs. Margin of Safety: Which to Watch, and When
Both measure the same underlying risk, but they answer different questions at different moments. A decision framework for which one actually matters right now.
Read the guide →12 min readStartup Financial Model Template: Runway + Burn + MRR
A deliberately minimal 3-tab financial model, not an 8-tab investor deck. MRR waterfall, runway and burn, and a direct default-alive verdict, all connected.
Read the guide →13 min readPrice Elasticity of Demand: Real Examples and Worked Cases
Three real, documented elasticity cases (including one commonly miscited), plus four verified small-business worked examples across different industries.
Read the guide →12 min read1099 vs. W2 for Workers: What Rate Actually Matches a Salary
A real negotiation framework using the employer's fully loaded cost, not the bare salary, to find the 1099 rate that actually matches a W2 offer.
Read the guide →13 min readSaaS Metrics for Bootstrapped Founders (Not VC-Backed Ones)
MRR, ARR, churn, LTV, CAC, and the default-alive question, translated for a founder spending their own money instead of a board of investors.
Read the guide →11 min readDSCR for Rental Property: How Lenders Actually Calculate It
The real estate DSCR formula uses PITIA, not just principal and interest. That mistake can overstate your ratio by a wide margin.
Read the guide →12 min readContribution Margin Income Statement: Format & Free Template
A real traditional income statement reclassified line by line into contribution format, proving both land on the same operating income. Plus a free template.
Read the guide →14 min readCVP Analysis Example: A Full Worked Case Study
One business, three connected decisions: a price increase, an equipment automation crossover, and a product mix shift. Every number checked.
Read the guide →15 min readBreak-Even Analysis Examples: 5 Fully Worked Industries
Coffee shop, restaurant, retail with markdowns, SaaS with the dual break-even most guides miss, and an agency. Every number worked and checked.
Read the guide →15 min readThe Free Break-Even Analysis Excel Template
A real, working spreadsheet with live formulas, an auto-updating chart, and the break-even price formula most guides skip entirely.
Read the guide →14 min readThe Complete Markup to Margin Conversion Chart (5%–500%)
Every markup and margin percentage converted, why the relationship curves the way it does, and the pricing-software mistake that quietly costs businesses real profit.
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