01 · Revenue
—Add a previous month
What you sold in the month. Cash collected can be different. A monthly habit for a clearer businessYour numbers.
Your numbers.
Your next move.
Make sense of your accounts with Your Monthly Business Numbers Checklist. Five checks to understand what changed, what needs attention and what to ask your accountant.
No email required. Figures stay in this page and aren’t submitted or saved by this tool.
01 Take figures from your reports02 Understand the movement03 Leave with a review plan
Your monthly figures
Start with your accounts.
Use a complete month and a consistent accounting basis. You can start with the three P&L figures; cash, invoices and comparison are optional.
Choose the month and year (2000–2100) shown in your reports.
02 Compare the previous monthOptional ＋
Enter the previous complete month. Differences show movement, not whether a result is good or bad for your industry.
Revenue from the previous complete month, using the same accounting basis.
Use the same direct-cost classification as this month.
Use the same operating-expense classification as this month.
03 Check cash commitmentsOptional ＋
A month-end snapshot using actual cash amounts, including GST where applicable. Count each reserve or commitment once. Future receipts are not included.
Month-end bank balance. Exclude undrawn lending. A negative balance can represent an overdraft.
Cash you have set aside for tax or other specific obligations. This tool does not calculate your tax.
Payroll, suppliers, rent, loan payments and other payments. Exclude commitments already included in reserved cash.
04 Review unpaid invoicesOptional ＋
Use your month-end aged receivables report. Both figures must use the same GST basis. Do not add unpaid invoices to bank cash.
Month-end total of customer invoices not yet paid, including those not yet due.
The portion already past its due date. Use the same GST basis as total unpaid invoices.
Your monthly snapshot
Review aidSee the story in your numbers.
0 of 4 input sections complete. No industry score or automatic tax estimate.
02 · Gross margin
—Add a comparison to see movement
Revenue less direct costs, shown as a share of revenue.03 · Operating result
—Add a previous month
Revenue less entered direct costs and operating expenses. Before interest and tax.04 · Cash after commitments
—Add the optional cash section
Current cash only. Excludes future receipts and payment timing. Not an amount cleared for withdrawal.05 · Overdue customer invoices
—Add the optional unpaid-invoices section
Money already past its due date. Check collectability and agree realistic payment dates.From numbers to a conversationWhat deserves
What deserves
a closer look?
These prompts respond to the figures you enter. They help you investigate a movement; they don’t diagnose its cause.
Add a comparison month
One month gives a starting point. A consistent previous-month comparison helps explain movement.
Ask your accountant
“How does this compare with the previous month, budget and the same month last year?”
Add a cash snapshot
Profit and bank cash measure different things. Check cash commitments separately.
Ask your accountant
“What is already committed to tax, payroll, suppliers and loan repayments?”
Check your aged receivables
A sale in your accounts may still be unpaid. Review total and overdue customer invoices.
Ask your accountant
“Which customer receipts can we realistically expect, and when?”
Your monthly habitFive checks.
Five checks.
One useful review.
Tick each item after you’ve reviewed it. Bring anything you can’t explain to your accountant.
0 of 5 reviewed · self-reported progress
Changing your figures resets the checklist so the revised numbers get a fresh review.A clearer next moveKeep your review.
Keep your review.
Bring better questions.
Your download includes your figures, the calculations, prompts and completed checklist. Use the blank CSV each month to build a consistent review habit.
Choose a month, complete the three P&L figures, and finish or clear any optional section you’ve started to download your review.
No account or email required. Figures and checklist progress aren’t stored by this tool. Download your review before closing the page.
How to use this review and read the calculations ＋
Use comparable reports
Take P&L figures excluding GST from the same accounting basis, period length and classifications for both months. Gross profit is revenue minus direct costs; gross margin divides that by revenue. At zero revenue, margin is undefined. The operating result then subtracts other operating expenses before interest and tax. Include relevant depreciation from your accounts; exclude owner drawings, capital purchases and costs already entered elsewhere.
Keep profit and cash separate
Cash after commitments is month-end bank cash minus entered reserves and other payments due in the next 30 days. Use actual cash amounts including GST where applicable, count each commitment once, and exclude undrawn credit. Future receipts, payment sequencing and later obligations are not modelled. A negative snapshot needs context; a positive one does not establish affordability or permission to withdraw company money.
Review the questions with your accountant
Overdue invoices are a subset of unpaid invoices and are not cash until collected. Percentages compare only your entered figures, with no industry benchmark. Prompts suggest areas to investigate, not causes or recommendations. Checklist ticks are self-reported. This is a simplified educational review aid, not a forecast, tax calculation, assurance report or complete assessment of financial health.
Official references: business.gov.au — Profit and loss statements ↗ and cash-flow statements ↗.
All figures are AUD. Displayed amounts are rounded; calculations keep full precision. No business data is submitted by this tool.