Financial Tools
Run the numbers. Then make the decision.
Use practical calculators for cash, margin, funding and budgeting, or complete Acuity’s full Business Growth & Financial Readiness Diagnostic to identify your stage and priority actions.
Flagship diagnostic
What stage is your business really ready for?
Answer 18 structured questions across six business dimensions. Receive a 0–100 readiness score, an Acuity business stage and prioritized service recommendations.
Cash-Flow Calculator
Estimate closing cash for a period from opening cash, expected inflows and outflows.
Break-Even Calculator
Calculate the sales volume required to cover fixed costs.
Loan Repayment Calculator
Estimate a level monthly loan payment using principal, annual interest rate and term.
Gross Margin Calculator
Measure gross profit after direct cost of sales.
Payroll Cost Estimator
Estimate gross payroll plus an employer on-cost percentage you control.
This deliberately does not hard-code Jamaican statutory rates. Enter a current employer-cost assumption appropriate to your payroll or obtain a payroll calculation from Acuity.
Business Health Check
A simple management-screening score across liquidity, collections, margin and debt capacity.
This score is an Acuity screening heuristic, not a credit rating, audit opinion or investment assessment.
Working Capital Calculator
Estimate net working capital and the current ratio from short-term assets and liabilities.
Budget Planner
Create a quick monthly operating budget and see the projected surplus or deficit.
Need a decision-ready model?
Move from a quick calculation to a proper forecast.
Acuity builds bank-ready cash flows, budgets, P&L forecasts, financing models and management scenarios.