A big one-off bill — taxes, insurance, a renewal (optional)
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Fill in your starting cash and floor, and the money in and out, to continue. The plan is optional.
thirteen-week cash curve
Thinnest week
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Where you end (week 13)
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That's the curve. The read — is it a fluke or a trend, which costs are your leverage, and the one bill that could tip you over — is what a CFO sees next. That's the membership, below.
The Reality Check — your CFO's readMembers only
You've seen the curve. This is the read behind it — the trend, which costs are your leverage, the questions a CFO would ask, and your moves in order. It refreshes every time your numbers do.
Your numbers never leave this page — membership only checks a key, never your figures.
Lost your key? It's in your Polar account — your receipt email has a one-click link marked Access purchase, or look it up here. Opens in a new tab so you don't lose the numbers you've entered.
The free curve uses one flat number a week. Real businesses don't run flat — so this is where the model starts to breathe, and where a flat "variable" cost gets caught.
One to hold onto: suppliers & materials get paid on your supplier's terms — whether or not your customers have paid you yet. Committed in timing: a slow-collections week doesn't make this bill wait.
Are you getting better, or getting worse?
The questions a CFO would ask you
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What I see in your numbers
The whole quarter, as a CFO reads it
Every line totaled across 13 weeks, and — the part owners skip — each one as a share of the cash that came in. The big percentages are where your leverage is.
If I were you, in this order
Opens your usual print box — choose Save as PDF and it lands on your device. The file is made right here; nothing is sent anywhere. Worth keeping: run this again next quarter and put the two side by side.
The free curve above stays free for everyone. Nothing is sent anywhere, and your figures are gone when you close the tab.