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
A standard monthly budget breaks the first time a client pays late. We build one for income that changes month to month: a baseline from your leanest months, a buffer account that smooths good and bad months, money set aside for taxes on every payment and simple rules for what to do with a big invoice. You get a budget you can follow even when you do not know next month's income.
What is included
- What you getA baseline budget by category, a buffer target and rules for splitting each payment between taxes, buffer, spending and savings, plus a 12-month table from your past income, as text and as XLSX and DOCX files. It is a plan from your numbers, not tax or financial advice.
- Baseline from lean monthsWhat you can count on
- Buffer account targetMonths of expenses to keep aside
- Split rule for each paymentTaxes, buffer, spending, savings
- Tax set-asideAt the rate you give us
- 12-month replayYour past income through the new rules
How it works
- 1BriefYou share income history and bills
- 2CalculationWe set the baseline, buffer and rules
- 3DeliveryYou get the budget and files
What we need from you
Your income for the last 6 to 12 months (a list or a statement export), fixed bills, typical spending, the share of income you set aside for taxes in your country and any savings you already have.
We will ask you:
- How much did you earn in each of the last 6 to 12 months?
- What are your fixed monthly bills?
- Which share of income do you keep for taxes?
- Do you already have savings or a buffer?
Compare packages
| Packages | BasicBaseline budget$15 | StandardBudget with month plans$29 | PremiumBudget for a household$55 |
|---|---|---|---|
| Deadline | 1 day | 2 days | 4 days |
| Revisions | 1 | 2 | 3 |
| Income history used | up to 6 months | up to 12 months | up to 24 months |
| Budget categories | up to 10 | up to 15 | up to 20 |
| Good and bad month plans | No | Yes | Yes |
| 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
Is this tax advice?
No. We use the tax share you give us. Ask an accountant in your country how much you really owe and when to pay it.
Can I send a bank statement instead of a list?
Yes, as a PDF with selectable text or an Excel file. Hide account numbers; we only need dates and amounts of incoming payments.
What if I just started freelancing?
Then we build the baseline from your planned rates and the minimum you need to live on, and the plan tells you when to revise it.