Owner Math is planning software for restaurant and service business owners. It builds your business from the menu up. See what each plate costs, what your staff really cost after payroll taxes, what rent does to your month, and the profit left over. Every number shows the math behind it.
The demo is free, with no account and no card. It is built for a laptop. On a phone you can read your numbers, but build the model on a computer.
Italian restaurant example
Pre-tax profit, per month
—
How it adds up
§ 01 — Why this exists
Our founder bought an Italian restaurant. He did not know what his costs were. He did not know what his staff really cost once the payroll taxes the law adds were in. He did not know what his menu needed to charge, or if he was making a profit at all.
Owner Math is the tool he wished he had on day one. You start with the thing you already know, your menu or your price list. You end with the numbers nobody hands you.
§ 02 — From menu to profit
Start from an example: a Mexican restaurant, an Italian restaurant, or a heating and air (HVAC) service business. Or start from a blank page.
01
Build each dish from its ingredients. You get the plate cost, the food cost % and a suggested price. Then your menu is sorted into Stars, Plowhorses, Puzzles and Dogs. You see what to push, what to fix and what to cut.
02
Pick each role, the pay and the hours. You see what one hour of each person really costs you. That means their pay plus the employer taxes the law requires: Social Security, Medicare, FUTA and state unemployment. Workers' comp and benefits go in too. Florida rates are filled in.
03
Lease the space or buy the building with a mortgage. Add insurance, utilities, phone, your POS and every other bill. Each cost shows its tax benefit next to it.
04
You get a monthly profit and loss, the guests you need each day to break even, your payback time and a 60-month cash plan. Turn on "Show the math" and every line shows how it was worked out.
§ 03 — The dash rule
Most plans fill a gap with a guess, or count it as zero. A rent of zero makes any restaurant look great. We leave the gap open. It is marked missing, it is listed, and we tell you where to fill it in.
The numbers we do fill in are marked too. A value tagged "example" is a placeholder for your own quote. A rate with a short code, like B9, comes from a named source you can check.
Try it at the top of the page: tick "I don't have a rent quote yet" and watch the profit turn into a dash.
§ 04 — After you open
§ 05 — Taxes and your CPA
Planning estimate — not tax advice. Your CPA reviews and files.
One calendar with every payment due. It covers your 1040-ES estimates with the safe harbor, Form 941 payroll, FUTA (Form 940), and Florida's RT-6 and DR-15.
The new federal law (OBBBA) lets workers deduct tips and overtime from 2025 to 2028. We show what that may be worth to your staff and to you, and what you still owe as the employer. The rules we follow are in IRS Notice 2025-69.
Three ways a buyer might price it: a multiple of SDE, a multiple of EBITDA, and an asset floor. Each one is a range, with the math.
Your plan laid out the way the forms ask for it, line by line: Schedule C, 1120-S, 1120, 1065 and more. Get a PDF marked DRAFT, a CSV file, or a share link.
§ 06 — Pricing
For looking hard before you leap.
$0
No account. No card.
Open the free demoRecommended
For planning your own business before you open.
—
Price shown at checkout.
For running it once you're open.
—
Price shown at checkout.
Operate has no free trial. You can move up from Plan at any time, and you pay only the difference for the rest of the period. After you pay, we email you a license key. Paste it into the app to sign in. Had an account before? Sign in first so your saved models come back.
| Feature | Free demo | Plan | Operate |
|---|---|---|---|
| Full model of one location, the examples, Demo mode | Yes | Yes | Yes |
| Saved in your browser; export and import a file | Yes | Yes | Yes |
| Save models to your account | No | Yes | Yes |
| What if?, taxes and valuation | No | Yes | Yes |
| Live mode with your real monthly numbers | No | No | Yes |
| More than one location | No | No | Yes |
| CPA packet (DRAFT PDF, CSV, share link) | No | No | Yes |
§ 07 — Questions
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.
In the free demo, your model is stored in your browser, on this computer. It is not sent to our server. On Plan or Operate, your models are also saved to your account, so you can open them on any computer. You can export a file at any time.
It is built for a laptop or desktop. On a phone you can read your numbers, but building a model needs a bigger screen and a keyboard.
Restaurants, and service businesses such as heating and air. Start from the Mexican restaurant, the Italian restaurant or the HVAC example, or start blank.
Florida is filled in, including its payroll taxes and the RT-6 and DR-15 filings. Some other states have rates loaded. For a state we have not checked, a rate shows as missing until you enter it. We never slip in a guess.
Plan comes with a free trial. You enter a card at checkout, and you are not charged until the trial ends. Operate has no trial.
After you pay, we email you a license key. Paste it into the app to sign in. Lost it? Use "Lost your key?" in the sign-in box and we will email it again.
Yes. Moving up from Plan to Operate starts right away, and you pay only the difference. If you move down to Plan, your numbers are kept. Live mode, extra locations and the CPA packet are locked until you move back up.
On Operate, your first location is included. Each one after that has its own monthly or yearly price. The app asks you before it changes your bill.
No. It is a planning tool. It does not pay anyone, file anything or replace your POS or your bookkeeping.
