SME Finance Helper
For shops, freelancers & small businesses

Simple financial tools for your business

No accounting jargon. Calculate your profit, break-even point, return on investment, cash flow and overall health — all in one place.

Start with ProfitabilityCheck your business health
Start Smart Business Check

Need more than a calculation?

We also build repeatable management reporting, cash-flow visibility, finance workflows and sales-to-cash systems around the way your business already works.

Explore Business Solutions

What type of business do you run?

Optional. Personalises examples and suggestions only — formulas never change. Remembered for this browser session.

Business analysis tools

Investigate cash, pricing, costs, inventory and capacity. Every tool is available whatever your business type.

Inventory Safety Stock & Reorder Planner

Safety stock, reorder points and the cash tied up in inventory.

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Cash Conversion Cycle & Working Capital

How many days and dollars are tied up in receivables and stock.

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Price & Margin Simulator

Compare price increases, discounts and volume changes side by side.

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Cost Detective

Find out whether a cost is fixed, variable, mixed or step — and what drives it.

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Customer Profitability

Which customers or services actually contribute the most.

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Team Capacity & Revenue per Hour

Billable utilisation and revenue per available and billable hour.

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Cash Buffer & Stress Test

Monthly cash projection with payment delays and cost shocks.

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Margin of Safety & Sales Shock

How far sales can fall before you reach an operating loss.

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Cost Driver & Profit Sensitivity

How a cost changes when orders, hours or units change.

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Financial Calculators

Profitability

See how much you really earn after costs. Gross and net margins explained simply.

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Break-even

Find out how many units or how much revenue you need to cover your costs.

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ROI & Payback

Know if an investment is worth it and how fast it pays itself back.

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Basic Cash Flow

Track money in and out so you don't run out at the end of the month.

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Business Health Score

A quick check-up of your business across the key financial signals.

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Financial Health Check

Use approximate figures for an educational assessment of five business signals.

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Business Health & Learning

All free educational content lives here: guides, real-world examples and definitions.

Resources

Plain-language guides on margin, break-even, cash flow, ROI and cost control.

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Business Cases

Realistic small business examples with simple numbers and clear interpretation.

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Glossary

Definitions of the finance terms used across the calculators and guides.

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Need to understand the problem first?

SME Financepedia explains business finance red flags, symptoms, and concepts. SME Finance Helper helps you calculate and test the numbers.

If you are not sure which calculator to use, start by reading the business situation first. Then come back and use the relevant calculator with your own numbers.

Read SME FinancepediaExplore Business Red Flags

Small Business Case Studies

Realistic small business examples with simple numbers and clear interpretation.

View all cases

Practical finance guides

Short explanations to help you understand the numbers behind profit, cash flow, break-even point, ROI, and business health.

How it works

  1. 1

    Pick a calculator

    Choose what you want to figure out.

  2. 2

    Enter your numbers

    Use rough estimates if you have to.

  3. 3

    Read the result

    Get a simple answer and a clear next step.