Tidy Cents Business Decision X-Ray · a decision operating system
Tidy Cents models your business day by day, tests your next decision before you commit, and — when something breaks — finds the smallest set of changes that fixes it, verifies it, and tracks what really happens.
No AI guesses. Every result is calculated, tested and traceable.
Demo: every section, no sign-up, no card, no time limit. Full X-Ray on your numbers from $40 a month.
Every plan includes the complete Business Decision X-Ray.
X-Ray, Decide, Simulate, Fix, Verify, Track, Recheck, your business’s digital twin, reports and decision history.
No feature tiers. You pay for the number of businesses you run.
Open demo: every section, no sign-up, no card. Full X-Ray on your numbers from $40 a month.
Your business model gets smarter with every decision.
Your business, day by day
What breaks, when, and why
Test it before you commit
The most cost-efficient fix, verified
What really happens next
Typical tools stop hereForecast → Scenario → Actual vs forecast → Dashboard
Tidy Cents goes all the wayModel → Diagnose → Decide → Stress-test → Repair → Verify → Track → Recheck ↻ Decide again
Every plan includes the complete Business Decision X-Ray.
X-Ray, Decide, Simulate, Fix, Verify, Track, Recheck, your business’s digital twin, reports and decision history.
No feature tiers. You pay for the number of businesses you run.
A decision operating system
Most cash tools stop at a forecast, a few scenarios and a dashboard. Tidy Cents goes further: it tests the decision you are about to make, finds what would have to be true, repairs it with the smallest change within your limits, verifies the repair with a full re-run — and follows the decision after you make it.
Below, steps 1–11 also show a live result: the sample business decides to hire a senior designer. Steps 12–16 run after the decision, on your own monthly actuals.
ModelYour business, day by day
Your cash, sales, costs, customers, invoices and bills as one day-by-day model, 365 days ahead.
DiagnoseWhat breaks, when, and why
Nine tests and a survival radar show what is fragile — and the chain of causes behind it.
The first date cash falls below your reserve, and by how much.
DecideTest it before you commit
Hire, borrow, take a large order, open a location — entered in six short steps.
The same decision as entered, cautious and hard.
How large can it be? When is the earliest start that keeps the reserve?
What would have to be true: the minimum extra income, deposit or terms.
RepairThe most cost-efficient fix, verified
Up to three options within the limits you set, each tagged by what it is smallest in.
Every candidate is run again, day by day, over the full test horizon.
Verified, not verified or cannot verify — before and after, month by month.
TrackWhat really happens next
Stored with the model version it was tested on. Earlier versions are never overwritten.
Enter what really happened each month; bank matches count only when you confirm them.
Variance against fixed, stated thresholds: on track, different, or needs a recheck.
Which inputs moved since the decision — and how much each one moved your low point.
Then and now, on today’s model: does it still fit?
Keep tracking, make it fit again, or rethink it — and the loop starts over.
Back to Decide: every new decision starts from the model you already have.
Typical forecasting toolForecast → Scenario → Actual vs forecast → Dashboard
Tidy CentsModel → Diagnose → Decide → Stress-test → Reverse → Repair → Verify → Track → Recheck
| The question | Typical forecasting tool | Tidy Cents |
|---|---|---|
| When exactly does cash break, and by how much? | Read it off a chart | Stated: the date and the amount |
| Will this decision survive a bad quarter? | Build the scenarios yourself | As entered, cautious and hard — built in |
| How large can it be, and when can it start without breaking the reserve? | Trial and error | Exact limits, checked at the boundary |
| What is the smallest change that makes it work? | Usually left to you | Up to three options within your limits |
| Is the fix really enough? | Your judgement | Verified by a full re-simulation |
| Did it work out — and does it still fit? | Actual vs forecast for the whole business | Per decision: expected vs actual, then a recheck |
Compared with the general category of cash-forecasting tools, not with any named product. Many of them are excellent at forecasting and reporting; Tidy Cents is built around the decision.
Under the numbers and assumptions you enter — not a guarantee of what will happen. Decision support, not financial, tax or legal advice. Calculations run in your browser.
Ten visual analyses
Every chart below is drawn live in your browser by the X-Ray engine, on a fictional sample business. With the full X-Ray, they show your own numbers.
Before you pay
Free · no sign-up · no time limit
Free · your own numbers
From $40 a month · cancel any time
There is no free trial: the demo shows every section first, and the express check runs on your own numbers.
One product, full version
From $40 a month
Cancel any time · see every section first in the open demo
Not an AI opinion
| — | General AI chat | Tidy Cents X-Ray |
|---|---|---|
| Where the answer comes from | A language model predicts likely text | Fixed, published formulas run on your numbers |
| Ask the same question twice | Can word — or calculate — it differently | The same result every time, to the cent |
| Arithmetic | Can slip on long chains of numbers | Exact decimal arithmetic in whole cents |
| Your cash over time | Usually a rough monthly estimate | A 365-day simulation with every payment date |
| Showing its working | Explains in words | Every formula, input and assumption listed |
| Checked in advance | Each answer is new and unchecked | Engine covered by automated tests with known answers |
| Missing data | Tends to answer anyway | Says “Incomplete” and names what is missing |
| Your numbers | Usually processed on the provider’s servers | Calculated in your browser — not sent to us unless you turn on encrypted sync or connect your bank or QuickBooks |
AI is good for drafting and ideas. For a decision that can cost you payroll, use a calculation you can check.
When the decision matters
See the exact day cash drops below your reserve, and which customer can push it there.
60-day payment terms can turn a profitable job into a cash hole. Find the deposit and terms that keep your reserve before you sign.
Find the sales floor your business can stand on — and the smallest change that raises it.
The largest salary your cash can carry from a given start date, with the ramp-up included.
The flagship
One profile. Nine critical tests. One exact action plan — what breaks first, on which date, by how much, and the smallest change that fixes it.
Cash, reserve, fixed costs, payroll, debt, tax set-aside, margin — and your real break-even.
Does the business earn enough to carry what it owes each month?
How long the business lives, the most dangerous day, the lowest balance and the time you have to react.
When does cash first fall below the reserve?
How far sales can fall before the reserve breaks, and the lowest monthly sales that keep it.
How much of a sales drop can you absorb?
How far costs can rise, which cost makes you most vulnerable, and which cut helps most.
Which cost could hurt you first?
Revenue share versus liquidity-risk share — and which customer really controls payroll.
Who can break your payroll?
30-, 60- or 90-day terms, how many days of delay you survive, which invoices to chase first and the deposit that closes the gap.
How late can customers pay before it hurts?
Whether to take the order, the real cost of waiting, and the lowest price, deposit and payment terms that keep your reserve.
Can you accept this deal as offered?
A hire, equipment, ads, premises, new market, inventory, discount, loan or losing a customer — each with the largest size your reserve can carry.
What is the largest version of this decision your reserve can carry?
What breaks first, on which date, by how much, the smallest fix — Now / Next / Monitor — plus the PDF Business Survival Report.
What exactly do you do next?
How it works
Cash, reserve, sales, margin, costs, payroll, loans and customers — typed in about ten minutes, or taken from a bank statement file.
A day-by-day simulation checks survival, shocks, customers, delays, deals and decisions on the same numbers.
What breaks first, when, by how much — and the smallest change that fixes it, verified by re-running the simulation.
Every plan is the whole product. You pay only for how many separate businesses you run in it. See every section first in the open demo.
1 workspace
$40/ month
One business with its own complete model, decisions and history.
Full product · cancel any time
Buy now — $40 / month Open the demoUp to 10 workspaces
$100/ month
Up to ten separate businesses — the price is the same whether you use two or ten.
Full product · cancel any time
Buy now — $100 / month Open the demoUp to 50 workspaces
$350/ month
For portfolios and advisors — from 11 up to 50 separate businesses.
Full product · cancel any time
Buy now — $350 / month Open the demo50+ workspaces
Contact us
For accountants, franchises and groups with more than 50 businesses — tell us what you need.
Tailored plan
Contact usEvery plan includes the complete Business Decision X-Ray.
X-Ray, Decide, Simulate, Fix, Verify, Track, Recheck, your business’s digital twin, reports and decision history.
No feature tiers. You pay for the number of businesses you run.
Prices in USD; taxes are added where required. Cancel any time — access continues until the end of the paid month.
The X-Ray tests the financial circuit of your business: cash, costs, customers, payment terms and decisions. It does not assess legal, HR, cyber-security or marketing risk, and it does not give tax or investment advice.
Decision support, not financial, tax or legal advice. Results follow only from the numbers you enter and the assumptions stated for each calculation.
No. There is no language model anywhere in the calculation. The X-Ray runs fixed formulas on your numbers with exact decimal arithmetic, and shows every formula it used.
No. The engine runs in your browser and your profile is stored on your device. Encrypted sync is optional, and even then we cannot read it. A bank or QuickBooks connection passes the figures through our server to your browser without storing them.
Yes — CSV, OFX/QFX, CAMT.053 and MT940 files from any bank. The X-Ray groups incoming payments by customer and works out each customer's share of your sales, so you don't have to calculate it by hand. Small customers are combined into “all others”.
Yes: $40 a month for one business, $100 for up to 10, $350 for up to 50. There is no free trial — the open demo shows every section first. Cancel any time: access continues to the end of the paid month, and your data is never deleted.
No. It tests the financial circuit of your business — cash, costs, customers, payment terms and decisions — and shows the calculation. It is decision support, not advice.
One question each, answered from your own monthly numbers — cash first, not accounting profit.
Open the demo — every section, no sign-up. Choose a plan when you want it on your own numbers.
Real pages from our budget binder and ADHD planner, free. Plus 10% off your first order.
