Calculators

What is it? Net cash flow measures the actual movement of money in and out of the business over a period, showing whether cash is building up or being depleted.

Why it matters: Cash flow is the real indicator of whether the business can operate day-to-day without stress. You can show a profit on paper and still run out of money if cash isn’t coming in fast enough. This metric exposes whether your operations, invoicing, and debt collection processes are supporting the business or slowly choking it.

What is it? Gross profit margin shows how much of every dollar earned is left after paying for the direct costs of doing the work such as materials, subcontractors and staff labour.

Why it matters: If your gross margin is too low, even a busy business can struggle to stay profitable. It provides a clear indication of whether your jobs are priced correctly and running efficiently.

What is it? Net profit margin measures how much of your total revenue is left after covering all business expenses, including overheads, admin wages, rent, insurance, fuel, interest and tax. It’s the bottom-line measure of how efficiently your business turns sales into actual profit.

Why it matters: Turnover sounds good, but profit pays the bills. This metric tells you whether the business is truly sustainable after all costs are paid and how much capacity you have to reinvest or draw from the business.

What is it? Your average debtor days tracks how long, on average, your customers take to pay their invoices.

Why it matters: Slow-paying customers starve your cash flow and force you to carry their costs. Tight debtor days protect your bank balance, reduce borrowing, and keep the business stable month-to-month.

What is it? This calculation measures how much of your team’s time is billable.

Why it matters: Labour is expensive, so unbillable time quickly erodes profit. This metric shows how efficiently your team’s paid hours convert into revenue. Higher utilisation means stronger margins and better job productivity.