Payment protectionDetails
- Revisions within the package are free.
- If you do not respond within 3 days of delivery, the work is accepted automatically.
The money is reserved when you pay and released only once you accept the work.
Example result
12-month forecast: a coffee kiosk at a ferry terminal
Key assumptions
| Assumption | Value | Source |
|---|---|---|
| Average check | $6.50 | Owner's menu |
| Ingredients and cup per sale | $1.90 | Supplier price list |
| Card fees | 2.5% of revenue ($0.16) | Payment terminal tariff |
| Fixed costs per month | $9,000 | Rent $1,800, staff $6,400, utilities $350, other $450 |
| Start-up spend | $38,000 | Machine and grinders, fit-out, opening stock |
| Loan repayment | $600 per month | Loan offer |
Unit economics
- Revenue per cup: $6.50
- Variable cost per cup: $2.06
- Contribution per cup: $4.44 (68% margin)
Break-even point
$9,000 ÷ $4.44 = 2,027 cups a month, about 68 cups a day over 30 days. The forecast reaches it in month 3.
Monthly forecast
| Month | Cups sold | Revenue, $ | Profit, $ | Cash at month end, $ |
|---|---|---|---|---|
| 1 | 1,500 | 9,750 | −2,340 | 4,060 |
| 2 | 1,900 | 12,350 | −564 | 2,896 |
| 3 | 2,300 | 14,950 | 1,212 | 3,508 |
| 4 | 2,600 | 16,900 | 2,544 | 5,452 |
| 5 | 2,900 | 18,850 | 3,876 | 8,728 |
| 6 | 3,100 | 20,150 | 4,764 | 12,892 |
| 7 | 3,300 | 21,450 | 5,652 | 17,944 |
| 8 | 3,300 | 21,450 | 5,652 | 22,996 |
| 9 | 3,100 | 20,150 | 4,764 | 27,160 |
| 10 | 2,900 | 18,850 | 3,876 | 30,436 |
| 11 | 2,800 | 18,200 | 3,432 | 33,268 |
| 12 | 3,000 | 19,500 | 4,320 | 36,988 |
Year 1 totals: revenue $212,550, operating profit $37,188, cash at year end $36,988.
What the numbers say
- Months 1–2 are the tight spot. Cash drops to about $2,900 in month 2. Keep at least $3,000 in reserve or delay one hire until month 3.
- Summer carries the year. Months 5–9 bring about two-thirds of annual profit, so plan marketing and staff holidays around them.
- Price matters more than volume. Raising the average check by $0.50 lifts year 1 profit by about $16,900; selling 10% more cups adds about $15,000.
- Payback. At the current pace, the $38,000 start-up spend is covered in roughly 13 months.
All formulas are live in the Excel file: change any yellow cell on the Assumptions sheet and every month updates.
Client: Morning Dock, a coffee kiosk opening in March at a commuter ferry terminal. Owner's investment $25,000 plus a $20,000 equipment loan.
The client and all details are made up.
About this service
Dealers quote a monthly payment, but the real cost of a car depends on how you pay for it: cash, a loan, a lease with a mileage cap or a balloon payment at the end. We turn the offers you have into one comparison of the total you pay over the same period, including interest, fees, insurance differences, the value the car keeps and lease penalties for extra miles. You see which option is cheapest for the way you actually drive.
What is included
- What you getA side-by-side table of each option with total cost, cost per month and per mile or kilometre, cash needed upfront and what you own at the end, plus a short summary, as text and as XLSX and DOCX files. It is a calculation from the offers you provide, not financial advice.
- Same period for every optionFair comparison of cash, loan and lease
- Hidden costsFees, balloon payment, extra-mile charges
- Value at the endWhat the car is worth if you own it
- Cost per mile or kmBased on your real mileage
- Plain summaryCheapest option and why
How it works
- 1BriefYou send offers and your driving habits
- 2CalculationWe bring every option to one period
- 3DeliveryYou get the comparison and files
What we need from you
The car price and each offer you received (loan rate and term, lease payment, mileage cap, residual or balloon amount, fees), your yearly mileage and how long you plan to keep the car. Dealer quotes can be attached as PDF or Excel.
We will ask you:
- Which car and which offers do you have?
- How many miles or kilometres do you drive a year?
- How long do you plan to keep the car?
- Do you have a car to trade in?
Compare packages
| Packages | BasicUp to 3 offers$15 | StandardUp to 5 offers$29 | PremiumUp to 2 cars, 8 offers$55 |
|---|---|---|---|
| Deadline | 1 day | 2 days | 4 days |
| Revisions | 1 | 2 | 3 |
| Offers compared | up to 3 | up to 5 | up to 8 |
| Cars | 1 | 1 | up to 2 |
| Mileage scenarios | 1 | 2 | 3 |
| Files | XLSX and DOCX | XLSX and DOCX | XLSX and DOCX |
| Order Basic | Order Standard | Order Premium |
Payment protection
You pay when you order, but the money is released only for accepted work.
- Fixed priceThe package price does not change after you pay.
- The money is reservedWhen you pay, the amount is only reserved. It is released to the service once you accept the work.
- Checked before deliveryEvery result goes through a quality check before it reaches you, and you see it on the order page before accepting it.
- Free revisionsAsk for changes within your brief as many times as the package allows.
- Acceptance after 3 daysIf within 3 days of delivery you neither accept the work nor ask for changes, it is accepted automatically. If you write in the order chat after delivery, the order waits; once we answer, we may start the 3 days again and will say so in the chat.
- Redo or a full refundIf the result does not match your brief and the revisions did not fix it, or the work takes more than twice its deadline, write in the order chat: we will redo the work or refund the payment in full.
Questions and answers
Should I lease or buy?
We show the numbers for each option and which one costs less under your assumptions. The choice is yours; this is a calculation, not financial advice.
How do you estimate the car value at the end?
From the residual value in a lease offer if you have one, otherwise from typical resale prices of similar cars in public listings, with links.
Can you include an electric car with charging costs?
Yes. Give us your electricity price and charging habits, and fuel or charging cost is added to each option.