Store finance is the math above the product level: whether the whole operation earns money, funds its own growth, and survives its slow months. The net profit calculator gives the bottom line after every cost, and the break-even revenue calculator tells you the monthly sales floor beneath which the store loses money.
Cash timing matters as much as profit. The cash conversion cycle calculator measures the days between paying suppliers and collecting from customers; for inventory-heavy stores that gap is often 60–90 days, and growth widens it, since every new order means buying more stock earlier. The working capital and runway calculators show how long current cash covers that gap.
The growth tools, revenue growth, MRR, ROI, and margin trackers, keep expansion honest. A store growing 10% a month while its cash cycle stretches can be profitable on paper and still miss payroll, which is exactly the failure mode this category exists to catch early.
Frequently asked questions
What is a good net profit margin for an e-commerce store?
Around 10% net is a solid benchmark; 5% is thin but survivable, and 15–20% is excellent. The path there is arithmetic: a healthy store typically runs 50–60% gross margin, then spends 10–15% of revenue on advertising, 10–15% on fulfillment, and 10–20% on operations. If net margin sits under 5%, the fix is usually price or product mix, not cost-cutting.
What is the cash conversion cycle and why does it matter?
It is the number of days between paying for inventory and collecting cash from its sale: days of inventory plus days waiting on receivables, minus the days suppliers wait on you. An importer paying deposits 90 days before goods sell needs cash to grow; better payment terms or faster stock turns shorten the cycle. It is why profitable stores still run out of money.
How many months of runway should an e-commerce business keep?
Keep at least 3–6 months of operating expenses in cash, more if you import: a store buying Q4 inventory in August sees cash hit its lowest point exactly when expenses peak. Runway is cash on hand divided by monthly net burn. Recompute it before every large inventory purchase, because a purchase order is a bet placed with your runway.
How do I know if my store can fund its own growth?
Compare monthly profit against the cash growth consumes. Growing units 20% means buying roughly 20% more inventory one full cash cycle before the revenue arrives; if net profit covers that increase, growth is self-funding. A quick test: if faster growth keeps shrinking the bank balance despite profitable statements, the growth rate has outrun your margin and payment terms.
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