ProfitLeak: Free Business Profit Health Scanner
Find hidden profit leaks before they drain your business. ProfitLeak is AccoTiva’s free set of browser-based financial tools for small business owners, freelancers, e-commerce sellers, restaurants and startups in the United States and Canada.
Profit Health Scanner & Hidden Profit Leak Detector
Enter one month of figures. The scanner calculates your margins and expense ratios, scores overall profit health and flags warning signs, showing the calculation behind each one.
Your profit health report
All ProfitLeak tools
Profit Health Scanner & Leak Detector
Margins, expense ratios, cash cover and transparent warning flags.
FEATURE C13-Week Cash Flow Simulator
Weekly receipts, payments and closing cash, with CSV download.
FEATURE DBusiness Profitability & Break-Even
Break-even units and revenue, target profit and margin of safety.
FEATURE EInvoice Collection Simulator
How overdue invoices affect cash over eight weeks.
FEATURE FCSV Financial Analyzer
Monthly summaries, categories, duplicates and reconciliation flags from a bank export.
E-COMMERCEE-commerce Profit Calculator
Profit per order after fees, returns and ad spend.
RESTAURANTSRestaurant Prime Cost Calculator
Food, beverage and labor as a share of sales.
RECONCILIATIONBank Reconciliation Checker
Diagnose why a reconciliation will not balance.
How the leak detector works
Each check is a simple, transparent rule. A flag appears only when your own figures cross the threshold.
| Check | Flag when |
|---|---|
| Gross margin | Below the industry guide (e.g. 30% general, 35% e-commerce, 60% restaurant, 50% services, 20% construction, 70% SaaS) |
| Operating margin | Below 5%, or negative |
| Payment processing fees | Above 3.5% of revenue |
| Payroll | Above the industry guide (20%–50% of revenue) |
| Marketing | Above 15% of revenue |
| Software and subscriptions | Above 5% of revenue |
| Revenue trend | Down more than 10% from last month |
| Overdue invoices | More than 25% of outstanding invoices |
| Cash cushion | Cash covers less than two months of outflows |
The score starts at 100 and drops 18, 10 or 5 points for each high, medium or low flag. It is a quick indicator, not a credit rating or professional opinion.
Frequently asked questions
Is ProfitLeak free?
Yes. All ProfitLeak tools are free and need no account or email address.
Is my financial data stored?
No. Calculations run in your browser. Figures and CSV files are not uploaded to AccoTiva or anyone else.
How are profit leaks detected?
ProfitLeak compares your ratios with general guides, such as gross margin by industry and payment fees above 3.5% of revenue. Every flag shows the number and threshold behind it. It does not use artificial intelligence.
Are the benchmarks exact industry standards?
No. They are general rules of thumb for small businesses. Your concept, pricing and region can justify different ratios.
Does ProfitLeak support Canadian dollars?
Yes. Choose USD or CAD; the currency label changes, and the calculations are the same.