Enter Your Business Figures
Fill the figures below. After submission, your result appears above this form and below the header section.
Example Data Table
| Item | Example Value | Meaning |
|---|---|---|
| Monthly Revenue | $120,000.00 | Total sales collected or invoiced for the month. |
| COGS | $52,000.00 | Direct cost of products or service delivery. |
| Operating Expenses | $36,000.00 | Recurring overhead such as payroll, rent, and admin. |
| Debt Payments | $8,000.00 | Monthly principal and interest obligations. |
| Cash Reserves | $95,000.00 | Available business cash buffer. |
| Current Ratio | 2.00x | Healthy short-term coverage. |
| Operating Margin | 26.67% | Strong profitability after core operating costs. |
| Overall Health Score | Varies by entered data | Weighted summary of overall business financial condition. |
Formula Used
- Gross Profit = Monthly Revenue − Cost of Goods Sold
- Operating Profit = Gross Profit − Operating Expenses
- Net Cash After Debt = Operating Profit − Monthly Debt Payments
- Gross Margin = (Gross Profit ÷ Monthly Revenue) × 100
- Operating Margin = (Operating Profit ÷ Monthly Revenue) × 100
- Current Ratio = Current Assets ÷ Current Liabilities
- Debt to Asset Ratio = Total Liabilities ÷ Total Assets
- Revenue Growth = ((Current Revenue − Previous Revenue) ÷ Previous Revenue) × 100
- Debt Service Coverage = Operating Profit ÷ Monthly Debt Payments
- Receivable Days = (Accounts Receivable ÷ Monthly Revenue) × 30
- Customer Concentration = (Top Customer Sales ÷ Monthly Revenue) × 100
- Cash Runway = Cash Reserves ÷ Monthly Burn, where Burn = max[(COGS + Operating Expenses + Debt Payments) − Revenue, 0]
- Overall Health Score = Weighted average of normalized metric scores across profitability, liquidity, leverage, growth, cash safety, and risk concentration.
How to Use This Calculator
- Enter the latest monthly revenue and previous month revenue.
- Add cost of goods sold and operating expenses.
- Insert debt payments, cash reserves, current assets, and current liabilities.
- Provide total assets, total liabilities, accounts receivable, and top customer sales.
- Press the calculate button to see the score above the form.
- Review the chart, score breakdown, and action suggestions.
- Use the CSV or PDF export buttons to save your report.
FAQs
1. What does a small business health score show?
It summarizes profitability, liquidity, leverage, growth, collections, customer concentration, and cash resilience into one easier decision score.
2. Is a high revenue business always financially healthy?
No. A business can post high revenue and still struggle with thin margins, poor collections, heavy debt, or weak cash reserves.
3. Why does customer concentration matter?
If one customer represents too much revenue, losing that account can damage cash flow, staffing stability, and loan repayment capacity.
4. What current ratio is usually considered healthy?
Many analysts prefer a current ratio around 1.5x to 2.0x, though ideal levels vary by industry, inventory cycle, and business model.
5. What is debt service coverage?
It measures whether operating profit can comfortably cover required debt payments. A higher ratio usually means lower repayment stress.
6. Why are receivable days included?
Slow collections can weaken cash availability even when sales look strong. Faster collections usually improve working capital quality.
7. Can I use this calculator every month?
Yes. Monthly tracking helps you spot deteriorating margins, rising leverage, slowing growth, and weaker cash protection early.
8. Does this replace full financial analysis?
No. It is a practical screening tool. Full analysis should also review taxes, seasonality, capital plans, and industry benchmarks.