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Founder Finances

Free tool

Business Money Check-Up

Ten areas of financial control, scored in about five minutes.

This is the flagship assessment. It scores separation of finances, cash visibility, tax reserves, emergency reserves, invoicing, late payments, expense controls, credit use, reporting and profitability knowledge, then gives you a seven-day and 30-day plan.

Last reviewed:

Ten questions

0 of 10 answered

  1. 1. How separate are your business and personal finances?

    Separation of finances

    Mixed accounts make every other number harder to trust.

  2. 2. Do you know what your bank balance will be in four weeks?

    Cash visibility

  3. 3. How do you set money aside for tax and VAT?

    Tax reserves

  4. 4. If income stopped tomorrow, how long could the business pay its bills?

    Emergency reserves

  5. 5. How quickly do you invoice after the work is done?

    Invoicing discipline

  6. 6. What happens when an invoice goes past its due date?

    Late payments

  7. 7. Do you know what leaves your account by subscription each month?

    Expense control

  8. 8. How is borrowing used in the business right now?

    Credit use

  9. 9. How often do you look at your numbers properly?

    Reporting rhythm

  10. 10. Do you know which work actually makes you money?

    Profitability knowledge

Your result

Answer all 10 questions and your score, your three priorities and a dated plan will appear here. Nothing you select leaves your browser.

Assumptions this tool makes

  • Each of the ten areas is scored equally out of ten, so no single area can dominate the total.
  • Scores reflect the presence of a system, not the size of the business.
  • Nothing you select is stored or transmitted.

The formulas used

  • category_score = selected_option_value (0, 3, 7 or 10)
  • overall_score = sum(category_scores) / 100
  • priorities = the three lowest-scoring categories, weighted towards cash and tax

Estimates only. This is a planning aid, not regulated financial advice, tax advice or a personal recommendation. Figures are rounded deliberately to avoid false precision. Your answers stay in your browser: nothing you type here is sent to us, to a partner or to an advertising platform. Read the full disclaimer.

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