There are many ways to succeed in retailing, many ways to assert your competitive edge, whether location, pricing, merchandise selection, knowledgeable staff, etc.
But there is only one way that retail businesses fail: they fail financially.
So – the key to success? Have a competitive edge and take charge of the financial demands of the business.
But, as a retailer, navigating your financials can feel overwhelming.
That’s why we’ve created a suite of online calculators designed specifically for independent retailers like you. No spreadsheets, no guesswork—just fast, clear insights for your next business decision.
Here’s how and when to use five of our powerful tools:
1. Retailer’s 3-in-1 Integrated Calculator
The question it answers: What would happen if I...?
Start here when you’re facing big-picture questions about your business:
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“What will it take to break even?”
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“Should I close a store? If so, which one?”
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“Can I afford a remodel? What if I need a loan?”
In just minutes, this tool shows you your projected Profit & Loss, Open-to-Buy, and Cash Flow—all in one place. With just a few inputs, you can test different scenarios and see the financial outcomes instantly.
If you’re exploring strategic decisions, this is your go-to calculator to uncover the real impact on your bottom line.
Integrated 3-in-1 CASH FLOW Calculator
2. Key Ratios Calculator
The question it answers: What do our “vital signs” show?
Want to know how your store is really performing? The Key Ratios Calculator delivers fast, accurate metrics like:
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Profit %
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Gross Margin %
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Inventory Turnover
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G.M.R.O.I.
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Current Ratio
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Debt-to-Worth Ratio
Plus, it benchmarks your results against industry standards for your retail segment. Use this tool to evaluate financial health, identify strengths, and address weaknesses. Perfect for quarterly check-ins or when preparing to make big moves.
Key RATIOS Calculator
3. Financial Strength Rater
The question it answers: How resilient is my business?
When sales are up, down, or flat, resilience matters. This tool analyzes trends in your Balance Sheet ratios to reveal the staying power of your business.
Get a 1-to-5 score on key metrics to spot early warning signs or validate your strengths. Use it when planning for the future—or when you just need peace of mind that your business is on solid ground.
FINANCIAL STRENGTH Rater
4. PROFITS Forecaster
The question it answers: Will we make a profit this year?
If you want clarity about your P&L, this tool is a must. Enter what you already know—sales, gross margin %, and expenses by category (use our SPEEDY Expense Analyzer, aka “the Bucketizer”, if needed). In minutes, you’ll see:
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A 12-month profit projection
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Expense trends as a percent of sales
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Immediate insights into trouble spots or opportunities
And if you don’t like what you see? Adjust inputs in real time to explore “what if...?” scenarios. Test different strategies until your plan “pencils out.”
Use it for annual planning, mid-year reviews, or any time you need confidence in your profit outlook.
PROFITS Forecaster, Trend Tracker
5. Multi-Department Buying Plan Calculator
The question it answers: How much inventory should I buy—and when?
This tool combines the art and science of buying to give you clear monthly buying plans, by department, in minutes. Enter basic info — beginning inventory, expected sales & margins, and planned turns—and you’ll get:
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Maximum inventory to bring in each month
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Ending inventory targets (the real key number)
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Your projected G.M.R.O.I.
Perfect for planning upcoming seasons or refining your buying strategy. Need adjustments? Change sales, margins, or turns and instantly see the impact.
This tool helps you balance buying and selling like a pro while keeping an eye on cash flow and inventory turns.
MULTI-Department BUYING Planner
Which Strata:G Calculator Should You Use First?
Well, that depends on your situation!
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Big decisions about your business? Start with the 3-in-1 Integrated Calculator.
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Need to evaluate financial health? Use the Key Ratios Calculator or Financial Strength Rater.
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Planning for profit? Head to the PROFITS Forecaster.
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Fine-tuning inventory? Try the Multi-Department Buying Plan Calculator.
Each tool is built for speed, accuracy, and your retail reality. No accountants, no spreadsheets—just you, your numbers, and decisions you can trust.
Let’s get started!