The financial-management tool for small businesses and the self-employed in Israel — projected income by certainty level, credit-card charges and loans, fixed costs, employees and marketing. It calculates operating profit, break-even and a 12-month cash-flow forecast, and warns you about overruns and a projected negative balance. Built for olim, expats and foreign investors operating in Israel.
Everything is saved automatically in your browser's localStorage. No business information ever leaves your device — not amounts, not client names, nothing. You can export to Excel or PDF for backup and to share with your accountant, or wipe everything with one click.
Four principles that turn managing your business finances from a headache into a routine — and how this tool helps you apply each one in the Israeli context.
Profitable businesses fail because of cash flow, not because of losses. A business can be profitable "on paper" yet collapse because the money doesn't come in when the bills go out. That's why planning cash flow forward matters just as much as calculating profit.
Track the cash-flow forecast for 3, 6 and 12 months — it accounts for loans and credit-card installments ending.
The break-even point is the monthly income your business must generate just to cover all expenses. Below it — a loss; above it — profit. It's the minimum target every business owner should know by heart.
The tool calculates your break-even point automatically and shows how far above or below it you are.
The common mistake: planning expenses against the income you expect in the best case. Mark a certainty level for every income source — and base your fixed expenses on secured income (high certainty) only.
Fill in your projected income with a certainty level, and see the weighted income on the dashboard.
An employee's salary isn't just the gross. The full employer cost includes employer National Insurance (Bituach Leumi), pension contributions, Keren Hishtalmut (study fund) and related expenses — reaching 25%–35% above gross. Planning on gross alone is a recipe for surprises.
Break down your employee costs by component to see the full cost.
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Everything about managing a business budget and about the tool
The original Hebrew version of this calculator.
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