Will the business model hold?

Before you write a 30-page plan, answer the question underneath it: at your price, your costs, and your growth — when does this business break even, and does the cash last until it does? PlanForge turns nine numbers into a monthly model, the answer, and a plan skeleton to build on.

Describe the money inWhat you charge, how many you’ll sell in month one, and how fast that grows.

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Describe the money outDirect costs, payroll, rent, marketing — plus startup costs and the cash you’re starting with.

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Read the verdictBreak-even month, runway, margins, a monthly model, and starter narrative for the written plan.

Harborline Coffee — a café opening with $110k in the bank: $6.50 average ticket, 2,400 tickets in month one, growing 6%/mo. Watch when it breaks even — then edit anything; it’s yours the moment you type.

Business name What do you sell?

How do you charge?

Average sale ($) ?Your average revenue per sale. For subscriptions this is the monthly price per customer; for hourly work, your billed rate × average hours per engagement.

per sale

sales in month 1

Monthly growth % ?How much your sales volume grows each month. 3–5% is steady; 10%+ is aggressive and needs marketing spend to back it. Direct cost % of each sale ?COGS: what each sale costs you to deliver — ingredients, materials, payment fees, delivery. Pure-service businesses are often 5–15%; retail/food 25–40%. Monthly fixed costs ($)

Payroll (incl. you)

Rent & utilities

Marketing

Everything else

Startup & cash ($)

One-time startup costs

Cash + funding on hand

Planning math with your assumptions — not accounting, tax, or investment advice. Nothing you enter leaves this device.