MARGINI
Financial clarity for small store owners
Free Tool
No signup required • Instant results
Built by a Licensed CPA
Free, No Signup Required
Instant Results
Works in Any Currency
Built by a CPA with store experience

Know what your business
is actually making

Clarity turns your sales, expenses, payroll, receivables, pricing and cash data into a financial picture you can actually understand, in plain English, no spreadsheets to build. Built for independent store owners; service businesses fit just as well. Created by a CPA licensed in Michigan →

Retail & product stores
Online sellers
Market stalls & pop-ups
Service-based businesses
Try Clarity Free → See How It Works

No signup required to preview · Works with your existing numbers · Private by design

Four questions every store owner should be able to answer
✓ Am I actually profitable?
✓ Where is my cash going?
✓ Which products actually make money?
✓ Can I afford to restock or hire?
Answer them with Clarity →

Not ready for Clarity yet? Try the free profit calculator instead →

See it in action

Your numbers are telling you something. Clarity explains what.

The numbers brain for your shop: profit, cash, pricing and stock in one place. It even reads the Margini Excel files you already use.

Downtown Market ▾
Search Clarity…
Revenue
$24,850
↑ 12% vs last month
Cost of Revenue
$6,180
↓ 3% vs last month
Net Profit
$9,250
↑ 19% vs last month
Who Owes You
$7,320
4 open accounts
Profit Overview
This Year
Revenue Cost of Revenue
Recent Sales
Latte Beans – Big$450.00
Cappuccino$120.00
Gift Card$200.00
View all sales →
Recent Expenses
Office Supplies$84.50
Marketing$250.00
Bank Fees$12.50
View all expenses →
Try Clarity Free → See How It Works

Explore the interactive preview, no signup →

Currently in private beta, free to use

Your sales report isn't the whole story.
Profit ≠ Cash
You can be profitable and still run out of cash.
Revenue ≠ Money You Keep
Costs, fees, payroll and returns reduce what's left.
Sales ≠ Profitable Products
Some products sell well but barely make money.
Spreadsheets Hide the Truth
Too much time gathering numbers, not understanding them.

How Clarity works day to day

›Toggle features on as you grow: Pricing, Inventory, Cash Flow, Tax set-asides.
›Bulk update: paste a backlog of sales, expenses or products.
›Download & upload: full Excel backup any time; your numbers stay yours.
›Works with your Margini Excel files: upload and get an instant dashboard.
Try Clarity Free →
Plain-English financial brief
✓
Your sales are strong this month
Revenue is up 12.5% compared to last month.
!
Cash is getting tight
You have $2,450 in expenses coming due in the next 10 days.
×
Two products are hurting your profit
They make up 8% of sales but only 1% of your profit.
Illustrative examples. Your brief is written from your own numbers, with the judgment left to you.
See how Clarity finds these insights →
Everything in one place
Sales
Expenses
Payroll
Receivables
Recurring
Pricing
Cash Flow
Your data. Your business. Your control.
Clarity is built around a local-first approach with secure cloud services for backups, integrations, and collaboration when you choose to use them.
Local-first
Your data stays on your device first.
Backups & Restore
Automated or manual backups when needed.
Audit History
See who changed what and when, so you can trust the numbers.
Secure & Private
Data is encrypted in transit and at rest. Always secure.
Learn about our privacy →
One Platform
Three ways to get clarity
01 — Understand your business
Clarity
Turns your numbers into a plain-English financial brief, written from your own data, no spreadsheets to build.
Explore Clarity →
02 — Check a decision before you make it
Business Tools
Free calculators for profit, cash flow, pricing, and hiring, no signup required.
Open a free tool →
03 — Learn what the numbers mean
Financial Education
Guides and short lessons for owners who want to understand their finances.
Browse resources →
Not ready for Clarity yet? Start with one question.

A one-time snapshot, no signup required.

Open the free profit calculator+

Your Store Costs

Enter your monthly fixed costs, expenses that stay roughly the same each month.

One Product Check

Check if one of your key products is truly profitable after all costs, including the overhead your POS doesn't show you.

Monthly Revenue

Your Store Profit Snapshot

Net Profit Margin N/A
Loss
Weak <10%
Fair 10-20%
Good 20-35%
Strong >35%

Get Free Monthly Tips for Store Owners

Your full breakdown is below, no signup needed. Drop your email if you'd like our free monthly guide: practical tips to grow your margin and stay on top of cash flow.

✓ Monthly profit & cash flow tips
✓ Pricing strategies that actually work
✓ Free templates and checklists

No spam. Unsubscribe anytime.

Your Results,
Full profit summary below. Use the print button to save a copy.
Monthly Revenue
N/A
Total Expenses
N/A
Net Profit
N/A
Profit Margin
N/A
Book a Consult →
FREE TOOLS, NO SIGNUP REQUIRED
Five free tools. One clear picture of your business.
Profit Calculator

Answer the one question every owner needs first: am I actually making money after all my costs?

Open Calculator →
30-Day Cash Flow Check

See whether you’ll have enough cash next month, before a shortfall becomes a crisis.

Run the Check →
Scenario Planner

Model decisions like hiring, a price change, or a new cost, before you commit to them.

Model a Decision →
Free Resources

The 90-Day Clarity Workbook and Weekly Financial Checklist, a simple routine to act on what the numbers reveal.

Get the Free Pack →
Grocery Store Calculator

A version of the profit calculator built for grocery margins specifically, COGS, shrinkage, and thin-margin math.

Check Your Margin →

For educational purposes only, these tools provide estimates, not financial advice.

YOUR NEXT STEP
Keep going, at your own pace
90-Day Checklist & Workbook
A step-by-step routine to fix what your calculator results revealed.
Get the free pack →
Free 14-Week Video Series
Short weekly lessons on profit, cash flow, and pricing. 10 live now.
Watch a lesson →
The Blog
Plain-English guides on the numbers every store owner needs to know.
Read a guide →
Your numbers already know the story.
Clarity helps you see it.
Try Clarity Free →

No signup required to preview.

Have a question about your numbers?

Email us anytime →  ·  We read every message.

Tools
Free Profit Calculator Cash Flow Check Scenario Planner Grocery Calculator Market Stall Calculator Food Vendor Calculator
ClarityApp
Overview Try the Preview Join the Beta Terms of Use
Resources
Get Your Free Brief Free Video Series 90-Day Checklist & Workbook Blog FAQ
Company
Why Margini About & CPA Credentials Contact Us
MARGINI • Financial Clarity for Small Store Owners • hello@marginifinancial.com
ⓘ For educational purposes only. Margini tools provide estimates and general guidance, not financial, tax, or investment advice. Always consult a qualified professional for your specific situation.