Easy Inputs.                                                       IMMEDIATE Results!

Hmm. Want to consider some tweaks? No problem.

Just adjust your entries. Compare as many outcomes as you like.  That's the power of "What if...?"

Online Calculators to Project Retail Profits and Cash Flow - Integrated!

SPEEDY PROFITS and CASH Forecaster • Retailer's 3-in-1 INTEGRATED Cash FLow Calculator

Explanatory How-To Articles - Used and loved by retailers worldwide!

Myth of the Bottom Line • How to Read and Use Your Financial Statement • Retail STRATA:G^® Wheel • Rate Your Store from the Shoppers' Perspective • Measure, Monitor, Manage Your Store's Vital Signs • Four (Only!) Ways Retail Businesses Grow • Sales Forecasting: Part Art, Part Science • Top Five Killers of Retail Businesses • How to Manage Your Most Valuable Asset • Teaching Salespeople to Sell • Glossary of Retail Financial Terms

Webinars from The Co-Founders - Lively and empowering!

How to Project Your P&L • The TREND TRACKER - Up? Down? Sideways? • The Four Financial Wheels Under Every Retail Business • The Remarkable Retail STRATA:G^® Wheel • Using SPEEDY Profits & Cash Forecaster

Online, Self-Paced eLearning Courses - Learn it once. Use it forever!

Projecting and Controlling PROFITS

Short How-To Videos - See it in action!

How to Use the "Bucketizer" • How to Project Retail Sales and Expenses

Online "Gadgets" - Get Quick Insights

The "Bucketizer" • Trend Tracker form (.pdf) • The Store Rater

What "buckets" to use?

Variable expenses are a percent of sales, so their dollar amount varies each month as sales increase or decrease. The major variable expense for retailers is Selling Expenses. 

Selling Expenses - Variable expense
Examples: Store payroll, including taxes and benefits; Advertising; Bags & boxes; Special events; etc.

Fixed expenses have essentially the same dollar amount each month on average, no matter what sales are. There are 4 categories of fixed expenses:

Occupancy Expenses - Fixed expense, essentially flat $ amount each month
Examples: Rent; Utilities; Maintenance; Security; CAM charges; etc.

Administrative Expenses - Fixed expense, essentially flat $ amount each month
Examples: Management salaries (Owner; General Manager; Buyer) including taxes and benefits; Support staff/services (bookkeeping; IT; warehouse; marketing); Interest on borrowed money; Professional services (legal, accounting); Training; Travel; All other expenses not included elsewhere.

Taxes - Federal, State, Local taxes not included elsewhere.

Depreciation/Amortization - Fixed expense, essentially flat $ amount each month.
These are non-cash expenses, and must be kept separate in order to project the Cash Flow.