Retailers: Need Answers for Decisions Like These? 

  • "What will it take to reach break even?"

  • "Looks like I should close one of my stores.  Which one?"

  • "When can I take more money out of this business?"

  • "Is moving the store to get lower rent actually smart?"

  • "Our inventory is building up. Should we get a loan? If so, how large?"

  • "Cutting prices seems a must. Even if sales go up, will we have a loss?"

  • "Remodeling will cost $100K, but our turns will improve.  Does remodeling pencil out?"

Find out for yourself - in minutes! - without having to ask your accountant or bookkeeper!  

Use The ROI's 3-in-1 INTEGRATED Cash Flow Calculator - an online calculator specifically for retailers who want to know "What would happen if I...?"


Already have Member Access Privileges? 

Go here to use the 3-in-1 INTEGRATED Cash Flow Calculator.

With just a few entries...

click each image to enlarge

Planned sales, margins & expenses go in quickly

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Immediately – get a fully-integrated retail financial plan!

click each image to enlarge
  • Immediately! A monthly P&L
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    Immediately! A monthly P&L
  • PLUS - a monthly inventory buying budget, targeted Ending Inventory each month. Even projected GMROI!
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    PLUS - a monthly inventory buying budget, targeted Ending Inventory each month. Even projected GMROI!
  • AND - fully integrated CASH FLOW projection! Automagically!
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    AND - fully integrated CASH FLOW projection! Automagically!
  • Choose your retail segment to compare. It's built in.
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    Choose your retail segment to compare. It's built in.
  • Quick and easy to compare
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    Quick and easy to compare

Quick for Retailers to Use and Understand. 

Gain peace of mind. Face the future with confidence!

This online 3-in-1 INTEGRATED Calculator enables any retailer, anywhere, to quickly generate a profit plan (budget) for the year, plus an Open-to-Buy plan plus the resulting cash flow projection!  All from the same few inputs!

What does this mean?  

When you are pulling together your profit plan (budget), use the 3-in-1 INTEGRATED Calculator.  

With the same few entries for planned sales, margins and expenses, you'll get a projected P&L. Plus much more!

You also will get a monthly inventory buying ("Open-to-Buy") plan based on your goals for sales, margins, and inventory turns.

Plus, you also get the resulting integrated cash flow projection. See whether you will be able to pay your bills on time!

Hmm. Don't like that would turn out? Try some "what if...?" changes. All on your own.

It's a complete, integrated financial plan, exclusively for retailers. Online, 24/7, only at The ROI. Go here. Get access now.


FYI: Many of the Recorded Live at TOPICAL TUESDAYS Seminars show the 3-in-1 INTEGRATED Calculator in action.  More info here.


"Samplers" from Topical Tuesdays Webinars | Cash Flow

See the 3-in-1 Calculator in action in this clip from one of the TOPICAL TUESDAYS Webinars by the Co-Founders

June 14, 2019
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Watch the short video! Click image

Retailers' New Best Friend!

April 10, 2019
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Will this save my plans?

The 3-in-1 Calculator works "in the browser.” That means your entries will be retained indefinitely in the browser you used for input (e.g., Firefox, Chrome, Safari, Edge), subject to your settings for clearing its history. No more worries if you are interrupted while working with it.

When you resume, just use the same browser and device, and your plans will be there!

Once you have developed a plan you like, the best way to “save” it is to just print out a hard copy for reference. Do that by using the “PRINT ALL“ button. In fact, depending on your computer and/or browser, you may be able to simply email a pdf copy of the plan.

Then, as you receive the monthly results from your accounting package and POS system, you can easily compare these "actuals" to your plan. 


What about "updating" your plans?

The ROI's calculators are for projecting, not accounting. 

For many retailers, preparing a plan once per quarter that looks ahead to the next 12 months is a good schedule. (Of course, if business conditions change dramatically, or an appealing opportunity arises, those situations would warrant some new "what if...?" thinking.)

To develop an updated plan, reset the starting month, and then simply enter your current best estimates for sales, margins, expenses, etc, for the next 12 months. 

And that's it! The 3-in-1 Calculator immediately generates a new integrated plan for the next 12 months. Of course, you can consider various tweaks and adjustments to that plan; it is called the "What if...?" Calculator for a reason!

Go here. Get access now!

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