Free Financial Leak Calculator

Find the pressure hiding in your monthly numbers.

Use two comparable months from your financial statements to screen for margin compression, payroll growth, overdue receivables, customer concentration, and cash-runway pressure. Every result shows the numbers and formula behind it.

Calculate My Signals Review Methodology

Your figures stay in this browser. This page does not upload or save the numbers you enter.

Evidence In, Evidence Out

Enter two comparable monthly periods.

Use the same accounting basis and month length for both periods. The example is illustrative; replace every field with your own figures before relying on the screen.

Prior-month revenueComparable net revenue Current-month revenueSame basis as prior month Prior-month gross profitRevenue less direct costs Current-month gross profitSame classification as prior month Prior-month payroll + contractorsUse a consistent labor scope Current-month payroll + contractorsSame scope as prior month Total accounts receivableEnding balance Receivables over 60 daysIncluded in total receivables Largest customer revenueCurrent month only Available cashUnrestricted operating cash Average monthly cash outflowUse a recent 3-month average if available

Use figures from closed, reconciled periods when possible. If classifications changed between months, correct them before comparing. Commas and dollar signs are accepted.

Methodology, formulas, and limitations

Margin compression exposure = max(0, prior gross-margin rate - current gross-margin rate) × current revenue. Labor-growth mismatch = max(0, current labor - prior labor × current revenue / prior revenue). Overdue receivables exposure = the amount entered as over 60 days. Customer concentration = largest-customer revenue ÷ current revenue. Cash runway = available cash ÷ average monthly cash outflow.

The combined exposure adds the first three amounts for screening only. They can overlap and are not confirmed losses or recoverable savings. The calculator does not inspect transaction detail, seasonality, accruals, owner compensation, project mix, debt availability, taxes, or subsequent collections. Reviewed November 7, 2026.

Your Screening Result

Illustrative example

Medium confidence

Combined monitored exposure$0

Screening total only; components may overlap and are not verified losses.

Margin compression exposure$0

Waiting for complete inputs.

Labor-growth mismatch$0

Waiting for complete inputs.

Receivables over 60 days$0

Waiting for complete inputs.

Largest-customer share0%

Waiting for complete inputs.

Cash runway0.0 months

Waiting for complete inputs.

Replace the example with your figures.

The screen will identify the largest observable pressure, show its calculation, and explain what the result can and cannot establish.

Signal	Supporting numbers	Calculation

Important limitationThis free screen cannot determine causation, accounting accuracy, or recoverability. Investigate the underlying transactions and consult your own qualified accounting, tax, legal, or financial professional when appropriate.

See an Evidence-Linked Report

Monitor the next close

Autonomous Watchtower

$99per month

Connect QuickBooks Online once. After each eligible closed period, software checks seven defined financial conditions and publishes only evidence-linked findings that pass the source, lineage, confidence, and subscription gates.

No sales call, advisory meeting, or hidden human review.
No trial or setup fee. Subscription renews monthly until you cancel through the customer billing portal.
Insufficient or inconsistent evidence produces a limitation—not a financial conclusion.

Subscription activation is temporarily paused. TruePoint is not accepting payment while the autonomous subscription path is being verified.

View a Sample Output Review Product Scope

No card or account details are requested here during the pause. See the Privacy Policy.

Launch status

Keep using the evidence tools while activation is paused.

The free calculator, product scope, and sample output remain available. Payment and subscription activation are not available during the verification pause.

No payment or account information is collected here.
No sales call or advisory engagement is required.
The calculator keeps all entered figures in your browser.

View a Sample Output Review Product Scope

What to Investigate

Move from signal to source evidence.

A screening result becomes useful only when someone verifies the transactions, classifications, timing, and business context behind it.

Reconcile the periods

Confirm both months are closed, use consistent account mappings, and exclude one-time reclassifications before comparing trends.

Trace the largest signal

Inspect customer, project, service-line, payroll, contractor, invoice, and expense detail supporting the result.

Monitor the next cycle

Repeat the same calculation after the next close. One period is a signal; a recurring pattern is stronger evidence.

Autonomous Financial Watchtower

Screen once for free. Monitor every closed period.

TruePoint is building evidence-linked monitoring that detects material changes, explains the supporting numbers and limitations, and fails closed when source data is insufficient. It does not replace your bookkeeper, accountant, CFO, tax professional, attorney, or business judgment.

See How TruePoint Works View a Sample Output

No hidden human review

The promised product is software-driven. Your team and qualified professionals remain responsible for source records, decisions, filings, and professional advice.