Business Finance Guides and Calculators
Explore MyMoneyLocal's business finance guides and calculators. This page connects practical guides with tools that help readers compare assumptions and understand tradeoffs.
How to use this page
Start with the decision you need to make, verify the inputs you can control, and compare more than one scenario before acting.
Confirm current rates, fees, rules, contracts, and eligibility with the relevant institution or qualified professional.
Financial guides
- Break-Even Analysis: Find the Sales Volume That Covers Your Costs
Calculate break-even revenue and units using fixed costs, variable costs, contribution margin, and a realistic safety margin.
- Business Debt Guide: When Debt Helps and When It Hurts
Understand business debt, loan payments, working capital, debt service coverage, cash flow risk, and how to borrow without damaging the company.
- Business Emergency Fund: Set a Cash Reserve for Real Operating Risks
Build a business cash reserve using payroll, rent, taxes, debt, seasonality, collection delays, and specific operating risks.
- Business Financial Dashboard: Build a Monthly Owner Scorecard
Build a one-page financial dashboard with definitions, data sources, targets, owners, and monthly decisions—not a pile of decorative charts.
- Business Tax Basics: A Practical System for Owners
A practical small-business tax guide covering bookkeeping, deductible expenses, payroll, owner pay, estimated taxes, and year-round recordkeeping.
- Cash Flow Management: A 13-Week System for Small Businesses
Manage small-business cash with a 13-week forecast, collection priorities, payment timing, tax reserves, and weekly variance review.
- Estimated Taxes: Calculate, Schedule, and Avoid Surprises
Learn who may need estimated tax payments, how to project income, use safe-harbor rules, schedule payments, and prevent an underpayment surprise.
- How to Build an Online Presence for a Local Service Business
A practical guide to building a simple online presence for a local service business with Google Business Profile, photos, reviews, service pages, and local posts.
- How to Get Reviews and Referrals for a Local Service Business
A practical guide to getting more reviews and referrals for a local service business using simple scripts, timing, follow-ups, and customer trust.
- How to Get Your First Service Customers
A practical guide to getting your first local service customers using simple offers, neighborhood outreach, referrals, photos, reviews, and repeat work.
- How to Make Extra Money Freelancing
A practical beginner guide to making extra money freelancing by selling one clear service, pricing it correctly, and finding your first clients.
- How to Make Extra Money With Online Tutoring
A practical beginner guide to making extra money with online tutoring, choosing a subject, finding students, setting rates, and turning lessons into repeat income.
- How to Make Extra Money With Pet Sitting
A practical beginner guide to making extra money with pet sitting, finding local clients, setting rates, building trust, and turning one-time jobs into repeat income.
- How to Make Extra Money Reselling Items
A practical beginner guide to making extra money reselling items, finding deals, pricing inventory, choosing platforms, and avoiding common resale mistakes.
- How to Make Extra Money Selling Digital Products
A practical beginner guide to making extra money with digital products by solving simple problems, validating demand, and selling without inventory.
- How to Make Extra Money With a Simple Service Business
Learn how to make extra money with a simple service business you can start this week, validate locally, price simply, and grow without quitting your job.
- How to Make Extra Money With Local Odd Jobs
A practical beginner guide to making extra money with local odd jobs, simple services, weekend work, and repeat neighborhood customers.
- How to Make Money With Local Services
A practical beginner guide to making money with local services, choosing a simple offer, pricing the job, finding customers, and turning one-time work into repeat business.
- How to Price Your Services
A practical guide to pricing local services, setting minimum charges, quoting jobs, protecting profit, and avoiding the beginner mistake of charging too little.
- How to Quote Service Jobs
A practical guide to quoting local service jobs, asking the right questions, using photos, protecting profit, setting clear scope, and avoiding unpaid extra work.
- How to Scale a Local Service Business Without Losing Control
A practical guide to scaling a local service business with better pricing, systems, repeat customers, simple hiring, scheduling, and quality control.
- How to Turn One-Time Service Jobs Into Repeat Customers
A practical guide to turning one-time local service jobs into repeat customers with follow-ups, reminders, maintenance plans, simple offers, and better customer service.
- Business ROI: Measure Marketing, Equipment, Hiring, and Expansion
Calculate business ROI with incremental cash flows, time horizons, risk, capacity effects, and decision-specific measures.
- Scaling a Business: Capacity, Cash, and Control Before Growth
Scale a business by proving repeatable demand, contribution margin, working-capital needs, management capacity, and quality controls.
- Small Business KPIs: Choose Metrics That Trigger Better Decisions
Choose and define small-business KPIs for cash, margin, sales, customers, operations, debt, and capacity without drowning in vanity metrics.
- Startup Budget: Estimate Launch Cost, Runway, and Funding Need
Build a realistic startup budget by separating one-time launch costs, monthly operating burn, working capital, contingency, and owner living needs.