BizGrips Payoff Planner

BizGrips · Payoff Planner Ad-driven debt payoff & savings forecast

Presets

Client Acquisition ›

PIF amount

Cost / booked call

Show rate

Close rate

Trigger hit rate

Default rate

Ad-spend reimb. cap

Deposit

Hit rate = signed clients who book 3 qualified consults in 30 days (they pay). Default rate = delivered clients who never pay. Deposit is refundable — it nets to zero on wins.

Revenue delay (client pays)

Client revenue lands this many days after they sign — profit is real, but can't pay down debt until it arrives.

Ad-spend delay

Refund delay

Ad spend runs on a credit card, so the cash leaves this many days after the ads run. A refund lands this many days after the client signed.

Expected values — real cohorts arrive in whole clients.

Ad Spend Schedule ›

Daily ad-spend from a start date. Add triggers to change it on future dates — each holds until the next.

Max daily ad-spend (cap)

Ceiling that clamps every daily value above.

⚡ Auto-ramp helper

Scale by

Every

Rebuilds the trigger list from your baseline row, ramping up to the cap.

Payroll ›

Noah

Josh

Kai

Each track sets a monthly pay from a date, holding until the next trigger. Total payroll = Noah + Josh + Kai active rates.

Forecast, Bills & Savings ›

Forecast length

How many months to project out — sets the x-axis on every chart.

Other recurring profit / mo

Retainers or existing clients — added to business profit each month, before payroll & bills.

Misc bills / month

Everything that isn't Noah, Josh or Kai — software, contractors, overhead, other payroll.

Surplus to debt

Rest of each month's surplus flows to savings. Minimum payments are always covered first.

Starting savings

Loans & Payoff Order ›

Top of the list is paid off first. Once a loan clears, its budget rolls to the next.

Everything recalculates live. The loans below are examples — edit balances, rates and minimums to your real accounts. Inputs are saved in this browser.

Debt payoff over time

Each loan's balance plus your total debt — watch #1 clear before #2 starts falling

Table

Monthly net

Real cash timing: revenue lands after signing, the ad-spend credit-card bill & refunds hit ~a month later — minus payroll, bills & minimum loan payments. Hover for the breakdown.

Savings balance

What's left after draw, bills & debt each month

Ad-spend plan

Average daily spend per month, from your date triggers & cap

Monthly payroll

Noah + Josh + Kai, driven by each track's date triggers

Monthly revenue & profit

Revenue = clients × expected revenue/client · Profit = clients × net/client + recurring