P&L X-Ray
Review your P&L using your own financial figures and operating assumptions.
Example scenario—not a forecast or verified benchmark. Enable JavaScript to edit inputs, view charts, save locally and export your analysis.
Document analysis is not enabled. The manual self-assessment is available.
Example inputs
- Industry (sets the typical ranges)
- home_services
- Revenue (annual)
- 3,000,000
- COGS / direct costs (materials, subcontractors)
- 690,000
- Direct labor (people who deliver the work)
- 720,000
- Indirect payroll (office, sales, managers)
- 360,000
- Rent & occupancy
- 66,000
- Marketing & advertising
- 390,000
- Software & IT
- 150,000
- Insurance
- 90,000
- Professional fees (legal, accounting, consultants)
- 45,000
- Other operating expenses
- 180,000
- Owner compensation (salary + benefits)
- 180,000
- Interest expense
- 30,000
- Adjust typical ranges (optional)
- []
Example results
$150K a year of profit is tied up in 2 red lines (led by marketing & advertising); fixing them lifts operating margin from 4.3% to 9.3%.
- Profit opportunity (red lines to top of range)
- $150,000
- Operating margin
- 4.3%
- Operating margin after fixes
- 9.3%
- Gross margin
- 53%
- Operating profit
- $129,000
- Net profit after interest
- $99,000
- Red / yellow lines
- 2 / 0
What stands out
Marketing & advertising: 13% of revenue vs. 5-10% typical
Bringing it to the top of the range frees about $90,000 a year.
Software & IT: 5% of revenue vs. 1-3% typical
Bringing it to the top of the range frees about $60,000 a year.
Operating margin 4.3%, gross margin 53%
Thin operating margin leaves little room for a slow quarter, a price war, or a key hire.
Next actions
- Cut marketing & advertising from 13% to 10% of revenue ($90,000/yr): line-item review, renegotiate, or reprice.
- Cut software & it from 5% to 3% of revenue ($60,000/yr): line-item review, renegotiate, or reprice.
- Upload the detailed P&L so each GL account is mapped and one-off items are separated from run-rate costs.
- Rebuild this view monthly; margin drift is easier to stop at 1 point than at 5.
Model assumptions & limitations
- Typical ranges for home services / trades are illustrative rules of thumb, not published benchmarks. Replace them with your own peer data where you have it.
- Red = more than the larger of 0.5 points or 20% above the top of range; yellow = above range but within that band.
- Opportunity assumes red lines can be brought to the top of the typical range without hurting revenue.
- Gross margin = revenue minus COGS and direct labor; owner compensation is treated as an operating expense.