VERTEX
P&L EngineWhat do I actually keep?
Revenue runs through COGS, payroll, marketing, overheads, depreciation, interest and tax, shown as a waterfall down to net income.
- Net income
- EBITDA margin
- Break-even revenue
Twenty financial machines that replace the grid with knobs, meters and live charts. Drop in the Excel files you already keep: the instruments link to your numbers, write changes back and export a new workbook.
Ten instruments for running a company: P&L, cash runway, break-even, pricing, recurring revenue, unit economics, tax and VAT, loans, valuation and payroll.
See the ten Personal economyTen instruments for running a household: budget, emergency fund, investing, debt freedom, retirement, buy vs rent, real wage, net worth, goals and spending leaks.
See the tenEach instrument models one classic financial question with the right terms and the right maths. Turn one knob and every related figure, meter and chart moves at once, like Excel, but readable at a glance.
What do I actually keep?
Revenue runs through COGS, payroll, marketing, overheads, depreciation, interest and tax, shown as a waterfall down to net income.
When does the money run out?
Cash in the bank against the monthly gap, with revenue and cost growth and a funding injection. It finds the exact month and tells you if you are default alive.
How many units before I make money?
Price, variable cost and fixed costs on one lever, drawn as a cost-volume-profit chart with your plan and the break-even point marked.
What does that discount really cost?
One price split into cost, fees, profit, discount and VAT, plus the extra volume you need to sell to make a promotion worth it.
Where does MRR land?
New bookings, expansion and churn compound month by month into MRR and ARR over 12, 24 or 36 months.
Is a customer worth more than they cost?
ARPU, gross margin, churn and CAC become lifetime value and a cohort payback curve, with the value your acquisition budget creates each month.
What reaches me after tax?
Profit flows through corporate tax and dividend tax to the money that reaches the owner, next to the VAT due this quarter. Presets for Israel, Denmark and the UAE.
What does this loan cost me?
Principal, rate and term give the payment and the full schedule by year. Add an extra payment and watch the interest and the term shrink.
What is the business worth?
Free cash flow, growth, terminal growth and WACC resolve into enterprise and equity value, with the sensitivity grid every investor asks for.
What does each hire really cost?
Salary plus social tax, pension, benefits and overhead becomes the fully loaded cost per person, per hour and per year, with raises over three years.
The same machines for the money you live on. See what a habit costs, what a goal takes and when you are free, without building a single formula.
Does every unit of income have a job?
Needs, wants and savings against the 50/30/20 rule, with the money still free to allocate and your real savings rate.
How long could I last without income?
Essential costs against the fund you have, a 3 to 12 month target and the exact month your safety net is full.
What does monthly investing become?
Starting balance, monthly investment, return and inflation over decades, split into your contributions and the growth the market adds.
What is the fastest way to owe nothing?
Three debts, one monthly budget, avalanche against snowball. See the debt-free date and the interest each method saves.
When am I financially independent?
Your FI number from spending and a safe withdrawal rate, the age you reach it and the monthly saving that hits your target age.
Should I buy or keep renting?
Owning against renting and investing the difference, month by month, with the year the two paths cross.
What does one hour of my life earn?
Gross pay after income tax, social security, pension, commute time and the cost of going to work.
What am I worth, really?
Everything you own minus everything you owe, with liquid net worth, home equity and debt-to-assets.
How much a month to hit my goal on time?
A target, a deadline and what you save now: the exact monthly amount, your current pace and the date you get there.
Where is the money quietly going?
Subscriptions, dining, delivery, coffee, impulse buys and fees: what they cost a year and what a cut grows into when invested.
Excel, CSV or ODS, one file or a whole folder. Everything is read in your browser and never uploaded.
Labels like Revenue, Payroll, Rent or Churn are found automatically. Link any other cell with two clicks; follow one cell, the latest month, a row sum or an average.
Values write back into the sheet and its formulas recalculate. Snapshot A stays in sync with your file; snapshot B is a sandbox for what-ifs.
Download your edited workbook plus one summary sheet per instrument: inputs, results and how each is calculated.