The Brutal Truth Calculator

7 Numbers That Reveal If You're Building Wealth—Or Fooling Yourself

What question do you want answered?

💀 Survival Math "How long can I survive if revenue stops?" → Cash Runway
💀 Survival Math "How long is my money trapped before it comes back?" → Cash Conversion Cycle
🪞 Am I Fooling Myself? "Am I making more than I would at a job?" → Effective Owner Hourly Rate
🪞 Am I Fooling Myself? "What does this person actually cost me?" → Fully-Loaded Employee Cost
🪞 Am I Fooling Myself? "What do I make per hour of my bottleneck?" → Contribution Margin per Constraint
⚠️ Risk Math "Am I one phone call away from disaster?" → Revenue Concentration
⚠️ Risk Math "How long until this hire pays for themselves?" → Payback Period on New Hire
Built for $3M–$10M Gross Revenue Businesses

Your Brutal Truth Scorecard

Click any metric to edit the inputs

Cash Runway
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Not calculated
Cash Cycle
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Not calculated
Owner $/hr
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Not calculated
True Cost
—
Not calculated
$/Constraint Hr
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Not calculated
Top Client %
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Not calculated
Hire Payback
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Not calculated
💀 Survival Math

Cash Runway

"How long can I survive if revenue stops?"

$
$
Cash Runway
—
months
💀 Survival Math

Cash Conversion Cycle

"How long is my money trapped before it comes back?"

days
days
days
days
Cash Conversion Cycle
—
days
🪞 Am I Fooling Myself?

Effective Owner Hourly Rate

"Am I making more than I would at a job?"

$
$
hrs/wk
weeks
Effective Hourly Rate
—
per hour
🪞 Am I Fooling Myself?

Fully-Loaded Employee Cost

"What does this person actually cost me?"

$
%
$
$
$
True Annual Cost
—
— multiplier on base
🪞 Am I Fooling Myself?

Contribution Margin per Constraint Hour

"What do I make per hour of my bottleneck?"

$
$
hours
Contribution Margin per Constraint Hour
—
per hour of bottleneck
⚠️ Risk Math

Revenue Concentration

"Am I one phone call away from disaster?"

$
$
$
$
Revenue Concentration
Top 1
—%
Top 3
—%
Top 10
—%
⚠️ Risk Math

Payback Period on a New Hire

"How long until this hire pays for themselves?"

$
$
months
$
Payback Period
—
months