A financial position diagnostic
Fifteen minutes. Your real position, and the order to fix it in.
Most people can name their salary. Almost nobody can name what one hour of their life actually earns, how long the household would run if the money stopped, or which single thing is costing them most.
This asks a guided set of questions and does the arithmetic. It teaches each idea in plain English before it asks you for a number, so if you stop halfway you still leave knowing how to do it on paper.
How do you want to use it?
All three end in the same place. They differ only in how much you read on the way.
ABOUT 5 MINUTES
Just give me the number
The questions with the lessons folded away. Open any one you want. For somebody who already knows the arithmetic and wants their figures.
ABOUT 15 MINUTES
Teach me as we go
A short lesson before every question — what it is, why it matters, the arithmetic on a worked example. If you stop halfway you can finish it on paper.
ABOUT 6 MINUTES
Test me first
Ten questions on sessions 1 and 2. What you already know gets skipped; what you miss becomes the lesson you actually needed.
The part that matters
There is no account, no server and no database. Your income, your debts and what you send home stay in this browser, and you can export or delete the lot at any moment.
What you get at the end
What you believed, against what the arithmetic says
The gap between the two is usually a third, and it always runs in your favour. That is the whole reason to count.
Three separate measures, never blended into a score
What you sell, what happens if you stop, and who is on the other side of the money. A single grade out of ten would hide all three.
A sequence built from your figures
Not a checklist everybody gets. The same handful of sensible actions in the wrong order produces nothing, so the order is computed from what you actually entered.
It works for four different kinds of earner
The arithmetic that finds your position is genuinely different for each, and running the wrong one gives a confident wrong answer. Tick more than one if more than one is true — a job plus weekend work is the normal case, not the exception.
| If you | The number that matters | What sets the ceiling |
|---|---|---|
| Are paid a salary | Your rate after the unpaid hours | Hours, and one signature |
| Work by the day for several buyers | Day rate against days actually booked | Days in a season |
| Sell a finished job at your own price | Price against every hour it really takes | How much you can deliver |
| Sell a thing | Margin per unit, and break-even volume | Volume — not your time at all |
Read the table downward. The further down you sit, the less your income is tied to hours you personally work.