Business Track
Business Track
Cash flow, margins, pricing, owner pay, payroll, working capital, valuation and exit. Know the numbers. Own the decision.
Money Track · a Business Track pillar
Published pieces
Business Track / pricing / 01
Break-Even Point: Formula, Analysis & Free Calculator
The break-even point is where revenue exactly equals total costs. This lesson covers the unit and dollar versions of the formula, a full worked example, and why loan principal and other non-operating items sit outside the calculation.
Business Track / cash-flow / 02
Cash Flow Forecast: Build a 13-Week Forecast You'll Actually Update
A cash flow forecast tells you how much cash you'll actually have, week by week, for the next 13 weeks. Start from usable cash (your bank balance minus anything already spoken for), then roll it forward one week at a time using the free template below.
Business Track / pricing / 03
Cost-Plus Pricing: Formula, Examples & How to Price a Product
Cost-plus pricing sets price by adding a markup or margin target to a known cost. This lesson works through both formula variants, what should count as cost, and why the method calculates a price without promising a result.
Business Track / owner-pay / 04
How to Pay Yourself as a Business Owner: Owner's Draw, Salary or Distribution
How you pay yourself depends on your federal tax classification, not your business's label. This lesson explains the owner's draw, salary (W-2 wages), guaranteed payments and distributions and how they differ for sole proprietors, partners, and S corporation shareholders.
Business Track / margins / 05
Markup vs Margin: Formulas, Conversion Chart & Calculator
Markup vs margin comes down to one thing: markup divides profit by cost; margin divides profit by price. This lesson walks through both formulas, a conversion table, and a precise worked example to show how they relate and where mixing them up gets expensive.
Business Track / payroll / 06
Employee Cost Calculator: The True Cost of an Employee
In our illustration, a $52,000 hire costs about $65,980 a year once you add employer payroll taxes, unemployment insurance, workers' comp, benefits and equipment. Here's how to work out the true cost of an employee before you hire, and a free employee cost calculator to run your own numbers.
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