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
Whether you are saving for a home deposit, a big trip or a three-to-six-month emergency fund, the plan starts with the target, the deadline and what your budget leaves each month. We work out the monthly amount needed, show how a savings account rate changes the timeline and split several goals so they do not compete. If the deadline is out of reach, you see the trade-off between saving more, waiting longer or lowering the target.
What is included
- What you getA savings plan with the monthly amount per goal, a month-by-month balance table and what-if options, as text and an .xlsx file with values. It is a calculation from your numbers, not financial or investment advice.
- Monthly amountWhat to set aside for each goal
- Balance by monthWatch the goal fill up
- Interest effectWith and without a savings rate
- Several goalsOrdered so they do not clash
- What-if optionsMore per month, later date, smaller goal
How it works
- 1BriefYou share goals, deadlines and budget
- 2CalculationWe work out the monthly plan
- 3DeliveryYou get the plan and .xlsx
What we need from you
Your goals with target amounts and deadlines, what you have saved already, your monthly income and fixed spending (rough is fine) and the interest rate you get on savings, if any.
We will ask you:
- What are you saving for, how much and by when?
- How much have you saved already?
- How much is left from your income each month?
Compare packages
| Packages | BasicOne goal$15 | StandardUp to 3 goals$29 | PremiumUp to 5 goals with inflation$55 |
|---|---|---|---|
| Deadline | 1 day | 2 days | 4 days |
| Revisions | 1 | 2 | 3 |
| Goals | 1 | up to 3 | up to 5 |
| Balance table | Yes | Yes | Yes |
| Inflation adjustment | No | No | 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 savings calculation. We do not recommend banks, funds or investments; for that, speak with a licensed adviser.
How big should an emergency fund be?
A common rule of thumb is three to six months of essential spending. We calculate both ends so you can choose.
Do you account for inflation?
In Premium, yes: we raise the target by the inflation rate you choose, so the goal keeps its real value.