Built for fractional CFOs
Turn recurring financial reviews into clear decision reports.
Your clients do not pay for spreadsheets — they pay for the decision. Clear Margins turns runway, hiring, pricing, and unit-economics checks into branded reports that state the risk and the next action in plain English.
The checks a fractional CFO runs every month
Enter cash and monthly burn. Get months of runway before and after the plan under review — the first number every founder review should anchor on.
Model the revenue threshold at which a planned hire pays for itself, and what it does to runway in the meantime.
Check whether acquisition spend is sustainable. Get the LTV:CAC ratio with a benchmark — the core unit-economics health metric.
Verify that pricing protects the target margin after costs change — before the client commits to a price list or a promo.
Show what current churn does to revenue over the next 12 months, and what retention work is actually worth.
Set the ad-spend guardrail: the ROAS below which paid acquisition loses money for this client.
From statement pack to decision report
Most monthly reviews deliver statements and leave the decision implicit. The founder still asks: can we afford the hire, can we scale the ads, does the price still work? Clear Margins answers those questions directly, with the formula shown and the recommendation written for a non-finance reader.
Runway = Cash ÷ Monthly net burnHire break-even = Loaded cost ÷ Gross margin per revenue dollarLTV:CAC = Lifetime gross profit ÷ Acquisition costPrice floor = Total unit cost ÷ (1 − Target margin)
The free calculators answer each piece. The Agency plan packages those answers into one branded decision report per client, every month, with the assumptions saved.
Why fractional CFOs use the Agency plan
Agency plan includes
- Client workspaces with saved assumptions — nothing re-entered between reviews
- White-label runway, pricing, hiring, and unit-economics reports
- Branded PDF exports under your CFO practice name
- Explain-to-client mode for founders who do not read spreadsheets
- Shareable read-only links for board or investor conversations
Free tier gives you
- All 13 calculators with no account required
- Transparent formulas you can verify and defend
- Plain-English benchmarks on every result
- Browser-local inputs for quick prospect conversations
Frequently asked questions
How is this different from my forecasting spreadsheet?
It is not a replacement for a full model — it is the decision layer on top. When the question is "can we afford this hire" or "does this price still work," Clear Margins answers it in minutes with the formula visible, then packages it as a client-ready report instead of a tab in your workbook.
Can I manage multiple clients?
Yes. The Agency plan includes separate client workspaces, each with its own saved scenarios, assumptions, and notes — so January's review picks up exactly where December's left off, per client.
Do my clients need accounts?
No. You export branded PDFs or send read-only share links. Clients see your brand, the decision, the risk, and the next action — never a login screen.
Send a decision report after the next monthly review — not another statement pack.
View Sample Report →See Agency Plan