Owner Math

Before you start, buy or run, know your math.

Planning software for the owner. You see what a hire, a lease, a price or a business for sale does to your month. Every number shows the math that made it. A number you have not given stays a dash, never a zero.

For restaurants

Owner Math for Restaurants

Opening, buying or running a restaurant. Built from the menu up: plate costs, staff, rent and every bill.

Rent, with no quote yet—

Profit a month—

A missing rent is not counted as $0. Profit waits until you add the quote.

For service businesses, shops and offices

Owner Math for Business

Trades, cleaning, salons, lawn care, auto repair, shops, offices, or any business from a blank start.

Technician pay, an hour$28.75

What that hour really costs you$32.50

$67,595.70 a year ÷ (40 h × 52 wk) = $32.50. Pay plus Social Security, Medicare, FUTA, Florida RT-6 and an example comp quote.

Both demos are free, with no account and no card. They are built for a laptop. On a phone you can read your numbers, but build the model on a computer.

§ 01 — What both do

Start, buy or run. The same three jobs.

Start
Model the business before you sign a lease. See the monthly profit, break-even and payback, with the rent and the loans in.
Buy
Check the seller's numbers before you pay. See what the business really earns for you and whether it can carry the loan.
Run
Close each month with your real numbers and see them next to the plan. Try a change before you make it: a new hire with payroll taxes, costs going up, a new price, more rent.

§ 02 — Less typing

Bring the files you already have.

Upload a spreadsheet

Excel or CSV: a seller's profit and loss, your sales, your payroll, your bank statement.

No account to try it

The demo opens in your browser. No sign-up, no card. Your model is stored in your browser, on this computer.

Bring your own AI agent

Connect the AI you already use, like Claude or ChatGPT. It suggests changes. Nothing changes until you approve it, and you can undo it.

How to connect it, and what it cannot do

Hand it to your CPA or lender

Export a packet with your plan laid out line by line, and the math behind each number.

Planning estimate — not tax advice. Your CPA reviews and files.

§ 03 — What you see

Every line shows its math.

This is the app, on the Italian restaurant example. A chef paid $27.44 an hour costs you $30.80 once payroll taxes, workers' comp and benefits are in.

A value tagged "example" is a placeholder for your own quote. A rate with a short code comes from a named source you can check.

True cost per hour by role in the Italian restaurant example. A chef paid $27.44 an hour costs $30.80 once taxes, workers' comp and benefits are added.

§ 04 — Pricing

Pay once. Yours for good.

No subscription. No monthly bill. Each product is one payment for every feature, every location and every update. The demos are free.

Restaurants

For starting, buying or running a restaurant.

$199once

Lifetime access. Unlimited locations.

Business

For a service business, a shop, an office or any other business.

$199once

Lifetime access. Unlimited locations.

Both, for less

Both products

Restaurants and Business together, on one license key.

$299once

Lifetime access to both. Unlimited locations.

Already own one? Add the other for $100, paid once. Sign in and add it from your account.

After you pay, we email you a license key. Paste it into the app to sign in. Not right for you? Email us within 30 days of buying and we refund the full amount, unless you have exported a finished packet (CPA, lender, investor or filing). Exporting one ends the refund window. If you refund an add-on, only that product is removed. See Refunds.

§ 05 — Questions

Straight answers.

Which one do I need?

If you sell food and drink from a menu, pick Restaurants. For anything else, like a trade, a salon, a shop or an office, pick Business. Run both kinds? Buy both together for less.

Can I add the other one later?

Yes. If you own one product, you can add the other later for the add-on price above, paid once.

Is this tax advice?

No. It is a planning estimate. Every tax rate shows its year and its source, and you can change any of them. Your CPA reviews and files.

Does it run payroll or do my books?

No. It is a planning tool. It does not pay anyone, file anything or replace your POS or your bookkeeping.