Frequently Asked Questions

ClarityApp (also called Clarity by Margini) is a mini-CFO app that reads your sales, costs, and cash position, then gives you plain-English reads on what is actually going on, what to watch, and what to do next, generating that CFO-style commentary automatically, instead of you having to build spreadsheet formulas or interpret the numbers yourself.

Yes. ClarityApp was built first for independent retailers and market vendors, and that is still where it is strongest. It also has built-in setups for rental properties, service businesses like consulting or tutoring, and home care, so those business types get the fields and CFO Brief language that actually fit them instead of a generic retail template.

No. What you see on the public Clarity preview is a sample business with example numbers, so you can get a feel for how it looks and reads. It is not connected to your own sales or costs. To use it with your own numbers, start using ClarityApp with your own email, free. First-time users request access.

Go to marginifinancial.com/beta. First-time users request access with their email, and once approved you get a secure sign-in link. You get the full interactive version of ClarityApp with your own numbers, including Cash Flow, Pricing, and Scenarios, which are locked in the public preview.

The Free plan is free during the beta and covers one business's full financial picture. Pro ($19/month) and Business ($49/month) add cloud sync, encrypted backup, integrations, and room for more businesses and team members, plus higher invoicing limits, see the full pricing breakdown. ClarityApp itself is still in beta, meaning features and details can change as we act on feedback, but all three plans are real and available today, not something to wait for.

Yes. Advisor firms get a My Clients screen where you add a client by email, see who has accepted, give colleagues access client by client, and open each client's business separately. Your client owns their business and chooses to accept your invitation; you can only see what they authorize, and either of you can end the access at any time without deleting anything. Firm accounts are set up by us on request, and an advisor seat is free. We can also cover some or all of your clients' plans and show your logo alongside ClarityApp by Margini; reach out and we will talk through what fits your practice. See For Advisors.

Yes. In Who Owes Me, choose Invoice on any entry to create a professional invoice with your business details and, if you like, your own payment link (for example a Stripe Payment Link). Every plan can save invoices as PDFs: Free includes 5 a month, Pro 50, and Business is unlimited. Pro and Business can also email the invoice to your customer straight from ClarityApp, add your own logo, and turn on optional payment reminders that stop as soon as the invoice is paid. For clients who pay you on a schedule, Pro and Business can also prepare a draft invoice each time a recurring payment comes due; you review and send each one yourself, and nothing goes out automatically.

ClarityApp does not process, hold, or move money. Your customer pays through the payment link you supply, with your own payment provider, and you record the payment in Who Owes Me. The invoice always shows what is still owed, and a reminder only ever mentions the remaining balance.

On the Free plan, everything you enter in ClarityApp stays in your own browser on your own device — it is never sent to a server by default. That keeps it private, but it also means it will not follow you to another device, and on a shared or public computer you should use the "Clear data from this device" option when you are done. You can also download a full Excel backup at any time.

Pro and Business plans (and some early-access Free accounts) include cloud sync: your business's data is stored in our cloud database so the people you've authorized can access the same information from their own devices, protected by access controls that only let authorized members in. See our Privacy Policy for the full picture.

The free calculator at marginifinancial.com shows you your true profit margin, the real cost of each product after all your overhead is included, and your suggested selling price. No sign-up required, enter your numbers, get your results instantly. It is a simplified version of the tools in the full Margini files.

The calculator runs entirely in your browser, your numbers are never sent anywhere unless you choose to email yourself a summary. If you click "Email me this summary," your name, email, and results are sent to Margini so we can follow up. We do not share your data with third parties. We do not display ads. Your numbers are yours.

Start using ClarityApp, free, so you can track this in one place instead of recalculating it by hand. If your margin is tight, its Cash Flow and Pricing tools are built to show you exactly where the money is going. Or book a free assessment call and we will tell you exactly where to start.