For service businesses, shops and offices
You want to hire, raise prices, sign a lease or buy a business from its owner. Your spreadsheet counts a new hire at the wage alone. It leaves out the payroll taxes the law adds, so the hire looks cheaper than it is. Owner Math builds your month from your prices, your jobs and your staff, and shows the math on every line. A cost you have not given stays a dash, not a zero.
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.
What if you hire one more technician?
What one hour really costs you
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How it adds up, per year
§ 01 — Start, buy or run
§ 02 — Who it fits
§ 03 — Bring what you already have
Excel or CSV files: a seller's profit and loss, your sales, your payroll, your bank statement.
The free demo needs no account and no card. Your model is stored in your browser, on this computer, until you choose to buy.
Add an employee, with the payroll taxes counted. Costs go up 8%. You raise prices. The landlord asks for more rent. See what each does to profit and break-even, then apply it or undo it.
Connect the AI you already use, like Claude or ChatGPT. It reads your real months and suggests fixes. It cannot change your plan by itself. You approve each change, and you can undo it.
Planning estimate — not tax advice. Your CPA reviews and files.
When you are ready, export a packet for your CPA or your lender: your plan laid out line by line, with the math behind each number.
§ 04 — Pricing
No subscription. No monthly bill. One payment gets you everything, for every location you have, for as long as you want it.
For looking hard before you leap.
$0
No account. No card.
Open the free demoLifetime access
For starting, buying or running your own business.
$199once
One payment. Nothing billed again. 30-day money-back guarantee, until you export a finished packet.
For an owner with a restaurant and another kind of business, or both in mind.
$299once
Restaurants and Business together, for less than two. Same 30-day money-back rule.
Already own Owner Math for Restaurants? Add this one 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
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.
No. Restaurants have their own product, built from the menu up. See Owner Math for Restaurants. If you run both kinds of business, buy both together for less.
In the free demo, your model is stored in your browser, on this computer. It is not sent to our server. After you buy, 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.
Florida payroll taxes are filled in. 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.
Email us within 30 days of buying and we refund the full amount, unless you have already exported a finished packet. Exporting one ends the refund window.
No. It is a planning tool. It does not pay anyone, file anything or replace your bookkeeping.
