BizTools — Scalable Essentials.
Cash Flow Problems Stop Here. The Right Small Business Financial Tools, Matched to Your Gaps.
From cash flow trackers to break-even calculators — every tool on this page was selected because small business owners with Financials gaps actually need it. No filler. No guesswork.
All tools below are free to start. Subscription options available for advanced features.
Scored low in Financials? This is your starting point.
These tools are organized by what matters most when your financial health score needs work — from cash visibility to pricing to runway planning. Not sure where your score stands? → Take the free Financial Health Check
BizHealth Recommended — Start Here
These six tools address the most common financial gaps in small businesses. Curated for fit, not for sponsorship.
Cash Flow Tracker
Interactive Dashboard
See your cash position in real time. Track income and expenses, create invoices, and get a 30-day cash forecast — all in one place. Includes a downloadable Excel workbook.
✓ Free — Account required (free registration)
Open Cash Flow Tracker →For informational purposes only.
13-Week Cash Flow Tracker
Free Download — Excel / Google Sheets
Track your cash week by week. See exactly when you might run short — and how much time you have to act. The most practical cash tool for small businesses under 50 people.
✓ Free — Email required
Download Free →For informational purposes only.
Cash Flow Projection Tool
Free Calculator — 12-Month Forecast
Enter your revenue, expenses, and growth rate. Get a 12-month cash flow projection with a visual chart and a PDF report you can share with your accountant or lender.
✓ Free — No login required
Build My Cash Flow Forecast →For informational purposes only.
Break-Even Analysis Calculator
Free Calculator
Enter your fixed costs, variable costs, and price per sale. Instantly see the exact number of sales you need to cover your costs — and start making money.
✓ Free — No login required
Calculate My Break-Even Point →For informational purposes only.
Pricing Net Profit Calculator
Free Calculator — Live Results
Enter what you charge, what it costs you, and your overhead. See instantly whether your prices actually make you money — and by how much, per sale and per month.
✓ Free — No login required
Check My Pricing Profit →For informational purposes only.
Runway Scenario Planner
Free Download — Excel / Google Sheets
Model what-if cash scenarios. See how long your money lasts under different revenue and expense assumptions — and when you need to raise capital or cut costs.
✓ Free — Email required
Download Free →For informational purposes only.
More Small Business Financial Tools
Supporting tools for deeper financial work — from ROI analysis to cash management basics.
ROI Calculator
Free Calculator — 3 Modes
Calculate return on investment for equipment purchases, new hires, or marketing campaigns. Three separate calculation modes built for how small business owners actually spend.
✓ Free — No login required
Calculate ROI →For informational purposes only.
Profit Per Sale Calculator
Free Download — Word Document
Figure out your real profit on every sale you make. If your prices feel right but the money isn't adding up, this is the tool to start with.
✓ Free — Email required
Download Free →3-Account Cash Setup Guide
Free PDF Guide
Organize your business money across three accounts so you always know exactly what's available — for bills, for taxes, and for yourself. A simple system that removes financial confusion.
✓ Free — Email required
Download Free →Emergency Brake Script Kit
Free PDF Kit
Word-for-word scripts for negotiating with vendors, clients, and lenders when cash gets tight. Don't figure out what to say in a crisis — have it ready before you need it.
✓ Free — Email required
Download Free →More Tools Coming to This Toolbox
We're building more financial tools based on the gaps small business owners tell us matter most. Check back — or get notified when they launch.
Budget Planning Template
A structured template to build your annual or quarterly budget — by category, by month, and tied to your actual revenue. Set targets. Track actuals. Know when you're off before it becomes a problem.
Financial Dashboard
A connected view of your key financial metrics — revenue, expenses, margins, and cash runway — updated in one place. Built for small business owners who want a CFO-level view without a CFO.
Pro feature — subscription required on launch
Business Valuation Estimator
Get a directional estimate of what your business is worth today — based on revenue, margins, growth rate, and industry. Built for owners planning an exit, seeking investors, or who just want to know their number.
Funding Options Comparison
Compare SBA loans, lines of credit, revenue-based financing, and other small business funding sources side by side — matched to your revenue stage and creditworthiness profile.
Small Business Financial Tools — Questions We Get
Financial Insights for Small Business Owners
Practical reads from the BizHealth.ai team — matched to the most common Financials gaps we see in assessments.
Financial Tools Are Step One.
Here's What Comes Next.
Learn the Financial Skills Behind the Tools
BizGrowth Academy has courses on cash flow management, pricing strategy, and financial planning — built for small business owners, not accountants.
Explore Financial Courses →Do It With a Coach
Want a guided walk-through instead of going it alone? BizGuides pairs the right financial playbook with step-by-step coaching for small business owners.
Browse Financial Guides →Get Your Full Financial Health Score
The tools here address symptoms. The BizHealth.ai assessment finds the root cause — a comprehensive score across 12 business areas, including Financials.
Take the Full Assessment →Quick Financial Check-Up (5 Questions)
Not ready for the full assessment? The Financial Health Check takes 3 minutes and gives you a 0–100 score with specific next steps.
Take the Health Check →Fixed a Financial Gap? Re-check Your Business Health.
Re-run your assessment to see if your Financials score has improved — and find out which area to tackle next.
Re-Take My Assessment →The tools on this page are provided for informational and planning purposes only. They do not constitute financial, accounting, tax, or legal advice. Consult a qualified financial professional for guidance specific to your business situation.