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
Comparing a monthly rent with a monthly mortgage payment hides most of the cost: the down payment that could earn interest elsewhere, closing costs, property tax, insurance, maintenance, rent increases and what the home may be worth when you sell. We put both paths side by side year by year with your own figures and show the break-even year, the point after which buying comes out ahead, if it ever does. Every assumption is listed, so you can change a rate or a price and see what moves.
What is included
- What you getA year-by-year comparison of renting and buying with total costs, net worth on each path, the break-even year and a list of assumptions, as text and as XLSX and DOCX files. It is a calculation from your inputs, not financial or mortgage advice.
- Full cost of owningInterest, tax, insurance, upkeep, fees
- Full cost of rentingRent growth and deposit included
- Lost return on the depositWhat the down payment could earn
- Break-even yearWhen buying starts to win
- Sensitivity checkRate and price changes in higher packages
How it works
- 1BriefYou share prices, rates and plans
- 2CalculationWe calculate both paths year by year
- 3DeliveryYou get the tables, files and summary
What we need from you
The rent you would pay, the home price, down payment, mortgage rate and term (or a lender quote), expected years in the home, local property tax and fees if you know them, and your savings rate. A lender offer can be attached as PDF.
We will ask you:
- Which home are you considering, and at what price?
- What rent would you pay for a similar place?
- How large a down payment and which mortgage terms do you expect?
- How many years do you plan to stay?
Compare packages
| Packages | BasicOne home, one horizon$15 | StandardOne home with what-ifs$29 | PremiumUp to 3 homes compared$55 |
|---|---|---|---|
| Deadline | 1 day | 2 days | 4 days |
| Revisions | 1 | 2 | 3 |
| Homes compared | 1 | 1 | up to 3 |
| Horizon | up to 10 years | up to 30 years | up to 30 years |
| What-if scenarios | 1 | 3 | 3 per home |
| 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 financial advice?
No. It is a calculation from the numbers you give us. Before you sign, check the figures with your lender and a licensed adviser in your country.
What if I do not know the property tax or closing costs?
We use a typical range for your country from public sources, mark it as an assumption and link the source, so you can replace it with a real quote.
Do you predict house prices?
No. You choose the growth rate, or we show a few rates side by side, so you see how much the answer depends on it.