Know what you actually keep
Not just what came in. See the gross profit left after what it cost you to sell.
For small business owners No finance degree required
Every tool shows a slice.MarginKoala shows the business.
Use your own figures to understand sales, costs and cash, compare a decision and keep a useful review. Available source connections can add read-only evidence; each result shows what the supplied data supports.
- Free to start — no card
- Start with your own figures
- Cancel anytime
- 40+ business calculators
- Every formula published and checked
- 100% of maths shown
- Every number traces to its inputs
- 0 card required to start
- Run real numbers before you pay
Find out why it moved
Sales down but ads up? Koala connects the evidence across your tools and explains what changed.
Decide before you commit
Test a price rise, a hire or a reorder against your real numbers first.
Good morning, Grace
Here's what needs your attention today.Sample data
Showing day data for WTD
- Money in
- $18,420
- Gross profit
- $6,240
- Gross margin
- 33.9c
- Known cash cover
- $9,240
Revenue and gross profit
Eight completed weeks of fictional sample data
RevenueGross profit
| Completed week | Revenue | Gross profit |
|---|---|---|
| 14 Jul | 11800 dollars | 3900 dollars |
| 21 Jul | 12900 dollars | 4250 dollars |
| 28 Jul | 12750 dollars | 4180 dollars |
| 4 Aug | 14100 dollars | 4630 dollars |
| 11 Aug | 14820 dollars | 4960 dollars |
| 18 Aug | 15240 dollars | 5110 dollars |
| 25 Aug | 16600 dollars | 5580 dollars |
| 1 Sep | 18420 dollars | 6240 dollars |
Where the money went
Recent money movement
- Shopify payout1 Sep+$8,410Paid in
- Xero — Northwind Supply31 Aug−$7,300Paid out
- Meta Ads30 Aug−$1,940Climbing
- Bright Cafe Co.28 Jul+$2,15036 days late
Shopify
Xero
Stripe
Meta Ads
Google Adsand moreAsk Koala
A clearer view of your next business decision.
Ask about the figures, reports or assumptions you supply. Koala can explain the calculation, compare a scenario and identify the next records to check. Connected answers require an available source and the relevant data.
- Clear insights for confident decisions
- Shows calculation inputs and assumptions
- Says “I don’t know” rather than guessing
- Reads only the sources you connect
“Which products are actually worth stocking?”
Review contribution before placing the next order.
Compare recorded sales, included costs and stock on hand. Missing storage or return costs need checking before deciding which products to keep.
Illustrative answer · requires the relevant source records and costsSource connection options
Start with your figures. Add connections when available.
Source connections are not available right now. You can use the calculators with your own figures and save supported work.
Accounting
Revenue, costs and balances
- Xero
- QuickBooks
- + more
QuickBooksCommerce
Orders, products and returns
- Shopify
- + more
Payments
Fees, refunds and settlements
- Stripe
- + more
Marketing
Spend, conversion and contribution
- Meta Ads
- Google Ads
- + more
Focused business insight
Revenue grew 12%; cash grew 5%.
- Revenue
- A$124.7K ↑ 12%
- Contribution
- A$60.6K ↑ 3%
- Cash
- A$87.3K ↑ 5%
That seven-point difference needs reconciling against recorded returns, fees, settlement timing, inventory and receivables.
Explore the dashboardMarginKoala connected read
Revenue and cash moved at different rates.
Revenue increased 12%, while cash moved 5%. Returns, fees, settlement timing, inventory and receivables are the records to reconcile; this sample does not attribute cause without the matching evidence.
Evidence and freshness stay visibleSee what actually matters
Every number shows its working, so you can trust it.
Ask Koala a business question. Explore the figures behind the answer, the model it ran and the cases it checked — so you can see why, not just what.
Ask Koala
Can I afford another employee?
Recommendation
Your downside case stays above the cash floor you entered.
This is deterministic scenario maths using the assumptions you supplied—not a prediction of sales, demand or future cash.
- Headroom
- A$8.4K
- Monthly cost
- A$7.1K
- Your cash floor
- A$5K
Hiring affordability modelYour base, downside and trigger inputs checkedScenario only
The questions you actually have
You already know the questions. Koala does the maths.
“Can I afford to hire someone?”
The entered downside case stays above your cash floor.
This is owner-entered scenario maths against current ledger cash and recorded outgoings—not a forecast or an affordability promise.
- Monthly cost
- $7,100
- Owner scenario
- Downside case
“Should I run this discount?”
Only if volume rises about 79% under this entered scenario.
A 15% discount on a product leaving 34c per $1 leaves 19c. Matching the same gross-profit dollars needs 78.9% more units; that boundary is maths, not a demand forecast.
- Break-even lift
- +78.9%
- Margin after
- 19c
“Why is cash tight when sales are up?”
Revenue rose seven percentage points faster than cash.
Revenue grew 12% while cash grew 5% in this fictional sample. Returns, fees, settlement timing, inventory and receivables are records to reconcile—not asserted causes.
- Revenue
- +12%
- Cash
- +5%
Model the decision
Try the decision before you live with it.
Koala Models use the same deterministic calculation engine as the public calculators, with business context and follow-up built in.
Koala Model
Should I increase prices by 5%?
Example owner-entered assumptions
- Current price
- A$120
- Unit cost
- A$60
- Monthly units entered
- 60
- Unit change entered
- −4%
Scenario result
+A$201.60
monthly gross-profit difference under this entered scenario
Open the full calculatorThis entered price scenario keeps gross profit above the current case.
With a 4% fall in units entered by the owner, the calculated gross-profit difference remains positive. Break-even is a 9.1% unit decline.
If you run this test, track actual conversion and margin against the entered break-even point.
Decision Ledger · Price test
Compare the entered margin scenario with what actually happened.
- Entered scenario
- +A$201.60
- Review
- In 30 days
Free business calculators
Answer the question you actually have tonight.
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CommerceFree shipping thresholdFind the order value that absorbs delivery without hiding the margin trade-off.
MarketingBreak-even ROASKnow the ad return your unit economics need before you increase spend.
StaffingEmployee hourly costSee the full employer cost per productive hour using the figures you enter.
Powerful underneath. Calm on top.
Your numbers stay yours. Always.
MarginKoala keeps source evidence, calculation assumptions and account boundaries visible without turning the interface into an audit console.
Read our security approach- Read-only by designConnected business sources are used for analysis, not mutation.
- Evidence-awareStale or missing coverage is shown instead of guessed away.
- Built for owner-led businessesCommercial clarity without a finance-team interface.
Start with the figures you have