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
When several loans and credit cards pile up, it helps to see them in one table with balances, interest rates and minimum payments. We compare the avalanche method (highest rate first) and the snowball method (smallest balance first) for your monthly budget and show the payoff date, total interest and the order in which each debt closes. You get a month-by-month schedule you can follow and update.
What is included
- What you getA debt table, avalanche vs snowball comparison and a month-by-month payment schedule with payoff dates, as text and an .xlsx file with values. It is a calculation from your figures, not financial or credit advice.
- All debts in one tableBalance, rate, minimum payment
- Avalanche vs snowballInterest saved vs quick wins
- Payoff datesWhen each debt is gone
- Monthly scheduleExactly what to pay each month
- Extra payment effectWhat an extra amount changes
How it works
- 1BriefYou list your debts and budget
- 2CalculationWe compare the payoff strategies
- 3DeliveryYou get the schedule and .xlsx
What we need from you
Each loan or card with its balance, interest rate and minimum payment, and the amount you can put toward debt each month. You can attach a statement summary as PDF or Excel; leave out account numbers.
We will ask you:
- Which debts do you have?
- How much can you pay toward debt each month?
- Do you prefer saving interest or closing small debts first?
Compare packages
| Packages | BasicUp to 4 debts$15 | StandardUp to 8 debts, 2 methods$29 | PremiumUp to 12 debts with extras$55 |
|---|---|---|---|
| Deadline | 1 day | 2 days | 4 days |
| Revisions | 1 | 2 | 3 |
| Debts | up to 4 | up to 8 | up to 12 |
| Strategies compared | 1 | 2 | 2 |
| Monthly schedule | Yes | Yes | Yes |
| Excel file (.xlsx) | Yes | Yes | Yes |
| 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
Is this financial advice?
No. It is a calculation based on what you tell us. For refinancing, consolidation or debt relief, talk to a licensed adviser or a free debt charity in your country.
Do you need my bank details?
No. Balances, rates and minimum payments are enough. Never send passwords or full account numbers.
Can you include a mortgage?
Yes, as one of the debts. Early mortgage payments are compared with paying off cards first.