The Savings Calculator
Your Numbers.
A Clearer View.
Explore What A Change In Costs, Pricing, Debt, Or Collections Could Mean For Your Business. Adjust Your Numbers To Follow The Effect Through Margins, Financial Statements, And An Illustrative Ownership Value.
Runs In Your Browser. No Account Required. Your Numbers Are Not Submitted.
Start With Your Business
Set The Scene.
Pre-filled with example numbers. Replace them with yours. Nothing is sent anywhere, and nothing needs an email. This is a quick view, not an audit or a valuation.
Seeds every number we do not ask for.
Fine-tune your numbers
Seven more, all seeded from your trade: cost of revenue, operating expenses, your compensation, the debt behind that payment, the rate on it, your collection days, and your equipment.
Materials, labor and subs. Everything a job consumes.
Rent, admin, insurance, software. Everything not tied to a job.
Salary, draws and distributions you actually take out.
The balance behind that monthly payment: loans, advances, cards.
Weighted across every facility. Advances push this far higher than owners expect.
The average gap between finishing the work and being paid for it. Every day in that gap is working capital you are lending your customers, while you pay interest on your own.
Equipment and vehicles at rough written-down value.
Any merchant cash advances or daily-debit loans?
Last time insurance and big suppliers were re-shopped?
Do you know your margin on each job?
Scenario Analysis
Five levers: the five things an engagement actually does, opening where a typical one on your numbers would land.
Job costing, supplier terms and the work running under margin. This is the lever that moves gross margin.
Repricing the work that runs under margin.
Re-shopped insurance, vendors, software.
Clearing the advances into ordinary term debt.
Deposits, progress billing, follow-up.
Dial any lever back to nothing and everything below follows.
01 / Opportunities
Explore The Opportunity.
Three Illustrative Scenarios, Updated As You Change Your Numbers. Select A Scenario To Load Its Assumptions, Or Build Your Own Using The Controls. The Typical Engagement Is Selected To Start.
Identified per year · tap a scenario to load it
Where it tends to come from
Job costs and materials
Costs and vendors
Debt and financing
Pricing and job margins
Working capital freed
The first four are yearly earnings and add up to the heading figure. Working capital is freed once and goes against the debt.
02 / Margins
What Each Dollar Keeps.
Money a review frees up is not new revenue you have to win. It drops straight to the bottom.
03 / Financial Statements
See The Connected Picture.
The same change, traced through all three statements. This is the view an investment bank takes of a business, and the one almost no owner-run company has on hand.
04 / Ownership Value
From Earnings To Value.
You do not have to be selling your business for this to matter. Most owners we work with never will. Nobody buys revenue; buyers buy earnings and pay a multiple of them. Valuation is simply the honest scoreboard for everything above.
What Your Ownership Is Worth
$0
Run a scenario above and this moves with it.
The free look reviews your actual statements. No cost, no obligation.
Behind the arithmetic: payables sit at 30 days of cost, equipment is held level, and your loan payment stays the same when the rate drops, so the saving goes to principal. Cash freed by collecting sooner goes against the debt. Nothing here assumes you win more work, and the multiple is seeded typical for your trade and left fixed. A valuation you can dial yourself is not worth much. Real statements have more lines than these. That is what the free look is for.
The Valoris Notes
Margins, rates, and the buyers.
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Short, useful, plain English. Written at the same desk that runs the Macro Desk.
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