Cornerstone Ledgers
Accounting • Advisory • Business Solutions

Business Financial Health Planner

Estimate profitability, review cash-flow pressure, evaluate bookkeeping and internal controls, and identify practical next steps for a stronger business.

Designed for planning—not tax reporting.

Use actual monthly averages whenever possible. The planner updates automatically and does not store your numbers.

1. Business and Revenue Information

$

Average monthly expenses

$
$
$
$
$
$
$
$
$
$
$
$
Results update automatically as you enter or change your numbers.

2. Profitability Snapshot

Revenue
$0
Expenses
$0
Estimated Profit
$0
Gross Margin
0%
Net Margin
0%
Break-Even Revenue
$0
Revenue / Employee
$0
Payroll % of Revenue
0%
Operating Cushion
$0

Expense mix

3. What-If Planner

0%
0%
0%
0%

Use the sliders to test different operating assumptions. Results change immediately.

Projected result after changes

Adjusted Revenue
$0
Adjusted Expenses
$0
Adjusted Profit
$0

4. Cash-Flow Pressure Check

$
$
$
$
Cash Coverage
0.0 months
Net Working Position
$0
Debt-Service Pressure
0%

5. Business Health Scores

0

Bookkeeping Health

Accuracy, timeliness, and reporting practices.

0

Internal Controls

Approvals, safeguards, and accountability.

0

Operations Readiness

Procedures, continuity, and management visibility.

6. Scenario Comparison

Save your current numbers as Scenario A, adjust the assumptions, then save Scenario B to compare the results.

Scenario A

Not saved yet.

Scenario B

Not saved yet.
MeasureScenario AScenario BDifference
Save both scenarios to compare them.

7. Business Financial Dashboard

Revenue$0
Expenses$0
Estimated Profit$0
Net Margin0%
Break-Even Revenue$0
Revenue / Employee$0
Overall Health Score0/100
Largest Expense

Automated planning insights

8. Recommended Next Actions

9. Suggested Management Reports

ReportWhy It MattersSuggested Frequency
Profit & Loss StatementShows revenue, direct costs, overhead, and profitability.Monthly
Balance SheetShows cash, receivables, debt, and overall financial position.Monthly
Cash-Flow SummaryShows whether the business can cover payroll, vendors, debt, and growth needs.Weekly or Monthly
Accounts Receivable AgingIdentifies overdue customer balances and collection risk.Weekly
Accounts Payable AgingHelps plan vendor payments and avoid cash surprises.Weekly
Budget vs. ActualCompares planned performance with actual results.Monthly
Department, Location, or Project ProfitabilityShows which parts of the business are producing or consuming profit.Monthly or Quarterly
Key Performance Indicator DashboardKeeps management focused on a small number of useful measures.Monthly

10. Save or Share Your Results

You can print the dashboard, save it as a PDF, or create a pre-addressed email containing the main results.

Need help interpreting your results?

Return to the full planning suite, explore Cornerstone Ledgers services, or discuss your results with an advisor.

Important: This planner provides general estimates for education and business planning. It is not a substitute for complete bookkeeping, financial statements, tax advice, legal advice, or a professional review of your records.