A private business-plan consistency checker — enter this month's price, cost, capacity and collection assumptions and it runs a real 12-month cash-flow simulation on your device, with five plain PASS/HOLD checks. A lighter, one-scenario companion to a full financial model, not a replacement for one. The useful starting point is the decision or record itself: write down the current facts, inspect what the tool computes, and decide what changes next. The downloadable tool is optional; the same questions can be used on paper.
Start with the exact job
Anyone sanity-checking a single set of business-plan assumptions before committing to them — a founder, a side-hustle owner, or anyone about to write numbers into a funding application. Name the concrete situation before opening a template. Keep observations, estimates and decisions separate. A record is useful when it makes a later comparison or decision easier; it is not useful merely because another field has been completed.
Read the result as evidence, not a verdict
Runs a real 12-month simulation with collection-rate lag (money invoiced this month, collected next) — a detail most static templates skip entirely Five computed PASS/HOLD checks: price beats cost, capacity stays under 100%, cash never goes negative, collection timing is realistic, break-even is even calculable Deliberately scoped to one scenario at a time — it tells you plainly when you need a full multi-scenario financial model instead of pretending to be one These are bounded functions of the information entered. They cannot establish motive, diagnose a person, guarantee a business outcome or decide what consequence is acceptable. Check the input when the result looks surprising, and keep the uncertainty visible.
What do I know directly, and what am I estimating?
Keeps observed facts separate from assumptions.
What exact result or pattern did the record produce?
Makes the output inspectable instead of intuitive.
Which important condition is outside this tool?
Prevents a bounded calculation being treated as a complete decision.
What will I continue, change, check or stop?
Turns the record into a proportionate next action.
Keep the record private and portable
The file works locally in a modern browser and stores working data in that browser on that device. There is no account and no automatic synchronisation. Clearing site data can clear the record, so export a backup before changing browser, device or storage settings. Do not put confidential, regulated or third-party information into a personal tool unless you have authority and an appropriate handling route.
Know when to use another route
A private business-plan consistency checker — enter this month's price, cost, capacity and collection assumptions and it runs a real 12-month cash-flow simulation on your device, with five plain PASS/HOLD checks. A lighter, one-scenario companion to a full financial model, not a replacement for one. does not mean the tool covers every dependency around that job. Use source statements, contracts, accounting records, calendars or professional advice when those are the real authority. Recheck any time-sensitive rule, price, rate or platform behaviour. If the record is not changing a decision, simplify it or stop keeping it.
Frequently asked questions
No. It organises or computes the information you enter. You remain responsible for the judgement and any action.
The packaged tool is designed to run locally without an account or runtime network request. Working data remains in the current browser unless you export it.
The record does not follow automatically. Export a backup first, then import it in the other browser or device.
No. Use the questions on paper if that is sufficient; buy only when the retained local record reduces repeated setup.
What private and pay once mean
Private means the downloaded tool needs no account and makes no network requests, so the publisher receives no copy of what you enter. The record stays in the current browser unless you export it. Browser storage and exported backups are not encrypted or protected from another person who can use the same browser profile or read the file.
Pay once means you may keep reusing the version you downloaded without a subscription. Future major versions and continuing support are separate unless they are explicitly included. There is no cloud sync: export a backup before clearing browser data or changing device.
Use the smallest useful tool
The method above does not require a purchase. If a retained local record would reduce repeated setup, review the relevant interactive tool after its tested release.