A self-help, online-only resource, The ROI is the foremost financial management resource for retailers and store owners.


Built specially for busy retail owners. No more intimidation from finances or accounting.

Knowledge Is Power!  

Retailers – Solve Cash Flow, Profitability, Inventory, Debt, Other Retail Financial Issues - On Your Own! 

See for yourself why thousands of retailers come to The ROI each month. Take advantage of The ROI's practical how-to info, and unique easy-to-use tools. 

The ROI's promise: Everybody can "get it"! 


Since 1999, empowering retailers and store owners to "Turn on your financial headlights!"

Plus, Unique OWNERS Center

 Specially for Owner "pain points"  |  Empowering How-To Resources and Tools


Survival. Cash flow. Growth strategies. Effective delegation. Crisis management. Financing. Succession plans.

Unmatched online resource. Exclusively at The ROI. Go here to find out more.


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The ROI NEWS is your User's Guide to The ROI. Easiest and best way to take full advantage of The ROI. 

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Specially for busy retailers, storefront or online. Be like thousands of store owners and managers. Empower yourself with savvy financial know-how! Use The ROI! 

Specially for busy retailers, storefront or online. Be like thousands of store owners and managers. Empower yourself with savvy financial know-how! Use The ROI! 

For Store Owners, Retail Presidents & CEOs, CFOs, Buyers, Managers, Bookkeepers, students of retailing. And, everyone who has the desire to grow their own retail financial expertise.

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Tips | Tactics | Insights 

Look at just some of what's here for retailers to use. Available nowhere else. Specially for busy retailers!

See for yourself why thousands of growing retailers around the world use and love The ROI!

click each box – see for yourself 

Go to BENCHMARKS Go to INVENTORY Management & Control More about Cash Flow Control Control retail profits


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And even more for ROI Members! 

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There are lots of ways to succeed in retailing. 

But there is only one reason why retailers fail. 

That sole cause? They fail financially. 

Whether it is a national chain or a neighboring deli, failure is caused by running out of cash, the financial lifeblood of a business. But few retailers are attracted to the financial part. Until they need to be.

That is exactly why The Retail Owners Institute has been built:
to help retailers avert failure. 


Only The ROI is dedicated to offering basic financial understanding and empowering online financial projecting tools to retailers worldwide. 

When retail owners can "turn on their financial headlights" to see ahead, see for themselves "What would happen if I...?", they are able to make needed adjustments to avert failure.

"All it takes is a little desire...and a web browser!"

What People Say About The ROI

"The ROI is a source of inspiration and emotional energy. Nice! It's good to push owners, to challenge their status quo. Complacency is the enemy in times like this."
--3rd Generation Retailer, Audio/Video


"You have re-inspired me! Thank you!"
--Owner, Home Accessories Stores


"I joined ROI this year and Love it!! There is no other place where retailers can get all this great info in one place nor specific training tailored to retailers. ROI is well worth the membership fee. Thank you!"
--Owner, Gift Shop & Gallery


"Your information plus The ROI's online tools are very powerful, and have made a big difference in the management of our family business. Thank you for your service to our family and the many other retail families you've reached."
--Owner,  Music Stores


"You make so much sense. Your website and tools and webinars are exceptionally great. Now I've started to see the light and how to manage inventory turns to manage cash. Love your stuff!"
--Co-Owner, Specialty Boutique


"This is really good foundational info. Thank you very much!"
--CPA; Founder, Community Gallery  

"I have changed the way I look at my financial statements forever! Very informative. Thank you."
--President, Furniture Stores

"I've been in retailing a long time and regularly work with our buyers on Open-to-Buy. I think your OTB Calculator is really remarkable. It's easy, quick and effective. Thank you for providing it."
--CFO, 17-Store Sporting Goods Chain

"Thank you for the great seminar today. I feel as though I have attended a college class in business - without the stress of finals!"
-- Owner, Hardware Store

"If I had had this information seven years ago, I would not have opened our second location, which we closed last year. This is very helpful and useful."
--President, Consumer Electronics Retailer

"I learned a lot, and found it easy to understand. I'm really impressed by how accessible you make this complicated financial information."
--Specialty Store Owner

"This has really made a difference for us! It's acted as a springboard to initiate a new philosophy of spending at our store. The ROI has had a profound effect on our business. Thank you."
--Owner, Gift Shop

"Your site is very good and the information is always very useful. We are about to open another store. Keep up the great work!"
--Owner/President, Gourmet Food Shops 

"The ROI has been very helpful to me. Easy to follow and informative. Thank you very much!"
--Retail Operations Manager, Museum Store

"The Co-Founders of The Retail Owners Institute, Pat Johnson and Dick Outcalt, are the Zen masters of retail financial management."
--Editor, Retail Industry Publication


"Our retailers need help with inventory control and cash flow, and how to make better business decisions. You are right on point!"
--Manager, Field Business Consultants, Convenience Store Franchiser

"I want all 28 of our S.B.D.C. Certified Business Advisors to use this whenever they are working with a retailer."
--State Program Director, Small Business Development Centers

"I want to thank you for all your enthusiasm. It is very apparent that you have the best interests of the small retailer in mind, and provide them with valuable information to survive and grow their business."
--Vice-President, Small Business Services, Union Bank of California

"There's not much we can do to help our retailers' top line. But by offering them access to all of The ROI, maybe we CAN help them with their bottom line!"
--President, National Shoe Retailers Association 


How-To Info & Resources | Retailer-Friendly!

Be empowered! Discover all the ways The ROI can help you. 

Gain more financial control.

Worry less. 

And put the fun back into retailing!

50 How-To Guides - Inventory, Profits, Cash

Make your stores financially stronger

Most extensive self-help resource on retail financial management • Available on-demand, 24/7

How-To Articles by Retail Experts

  • Controlling Inventory, Profits, Cash
  • Using Retail Finance Basics
  • Addressing Strategic Owner Issues
  • Managing Store Issues

7 Online Projecting Calculators for Retailers

See "What would happen if I...?"

Easy & fast for retailers. Online, "in the cloud". Nothing to download or install.
Get answers - fast!  "How much profit?" "How much inventory?" "Where's the cash?!"

The ROI's Online Projecting Calculators for Retailers 

  • Retail PROFITS Forecaster
  • BUYING PLAN Forecaster (Open-to-Buy)
  • Retailer's 3-in-1 Cash Flow Calculator (P&L + OTB + Cash Flow - INTEGRATED)
  • Key RATIOS Calculator
  • GMROI Calculator
  • Multi-Department OPEN-TO-BUY Planner

23 Recorded Live at TOPICAL TUESDAYS Webinars

Hours of explanatory and retailer-friendly how-to insights 

See the entire collection here

  • Unlimited FREE Access for Members
  • Most Demanding Growth and Survival Issues for Retailers:
    How to Manage & Control Profits • Debt • Inventory • Cash Flow • Vendor, Landlord & Bank Relationships • GMROI 
  • Available to watch anytime, 24/7
  • Lively, entertaining (!), time saving
  • Hours of Consulting Tips, Strategic How-To Guidance


Retail Self-Assessment Tools

Time-Saving Comparison Tools

Get perspective & insights on your stores' performance

  • All on your own 
  • Confidential. "For your eyes only"
  • Online 24/7 

5 Online Retail Training Courses

Learn - then use - retailing's financial levers

Use The ROI's unique "eLearning Kits." 

Each Kit includes a structured how-to training course plus a specialized projecting calculator. Practical and fast for retailers to use. 

These courses-plus-calculators teach and show the What, Why, and How of retail financial management and inventory control.  

The ROI's Online Courses

  • Projecting Retail PROFITS
  • Projecting INVENTORY Buying (Open-to-Buy) Plans
  • Projecting Retail CASH FLOW
  • 3-in-1 Kit Bundle: P&L + OTB + Cash Flow - Integrated!
  • GMROI Inventory Productivity Kit


9 Retail Financial How-To Videos

Learn It • Do It • Profit From It!