The cafe that felt busy
A 38-seat neighborhood cafe rang $512,400 in a year. The line looked healthy. Food cost was
Arnali calculators
A free library from Arnali, Inc.: Know Your Numbers, Seeking a Loan, Property back-test, and date & time deadline math. No signup. Educational estimates.
Choose a tool
- Know Your Numbers — Industry health checks for restaurants, rentals, trades, agencies, and more. The form opens with a typical profile. You correct the guesses. We calculate margins, runway, and coaching in the browser.
- Seeking a Loan — DTI, DSCR, LTV, and related ratios from numbers you already entered — or from a typical ask. Educational, not a credit decision.
- Property back-test — Month-by-month back-test of estimated home equity versus SPY, FHFA home prices, or Treasury yields. We guess a metro from public location data; you correct purchase price, date, and the loan. Not an appraisal.
- Date and deadline calculators — Calendar spans, business days, time zones, landlord notices, and professional clocks (1031, IRS extension, briefing). Each page writes the counting convention so an off-by-one is visible.
- Net worth calculator — Cash, investments, property, and crypto in one picture, with allocation, trend, and a comparison against common market benchmarks. Balances stay in your browser; export a file if you want a copy.
Three stories the business scoreboard is built to catch
The duplex that “cash-flowed” on paper
Scheduled rent on a two-unit building was $3,400 a month. The mortgage was $2,150. After 18 vacant days, a $410 water heater, and actual collections of $3,040, the year was no longer the spreadsheet the buyer underwrote. DSCR using real NOI and annual debt service is the check a credit committee will run. Entering vacancy and maintenance — even as estimates — is how this site keeps landlords from confusing scheduled rent with cash in the account.
The freelancer with a profitable month and a tight checking account
An independent designer billed
FAQ
What is arnali.com?
Arnali, Inc. publishes five free calculators on this domain: Know Your Numbers (business health by industry), Seeking a Loan (lender-style ratios), Property back-test (estimated home equity versus public market series), and Date and deadline calculators (calendar and deadline math). There is no account. Educational estimates only.
Where are Property back-test and the date calculator?
They are first-class tools, not extras. Property back-test is explained at /property-pulse and runs at /property-metrics. Date and deadline calculators is explained at /dates and runs at /date-calculator. Both are in the site menu and on the home page so search engines can find them.
What is Know Your Numbers?
Know Your Numbers is a free calculator from Arnali, Inc. that helps owners check whether a business is financially healthy. You type in the figures you already have — revenue, costs, cash, rent, debt — and the site calculates every ratio those numbers support, compares them with industry ranges, and explains the result in plain English. There is no account and no upload to our servers.
Does the site store my financial data?
No. Calculations run in your browser. We do not create a server database of your inputs. A draft can stay in this browser’s local storage so you are not staring at blanks when you return — that file stays on your device. Save Session still downloads a JSON file you control. Advertisers never receive what you type into a calculator.
Do I need a complete set of books to use it?
No. Every field is optional, and the form is not blank when you arrive. We pre-fill a typical profile for the concept (coffee shop, full-service restaurant, duplex, and so on) and scale it for the market we guess from your ZIP or network location. A cafe owner who only knows last month’s sales still overwrites revenue and leaves the rest. Add labor and you get prime cost. The site calculates what it can and tells you which extra fact would unlock the next ratio.
How is this different from a spreadsheet template?
A blank spreadsheet still asks you to remember formulas, pick benchmarks, and interpret the output. Know Your Numbers ships the formulas, the industry ranges we use for status labels, and coaching written for owners and for the vocabulary a lender or partner might use. You can export Excel if you want a file; you do not have to build the model first.
Do I have to type every number myself?
No. Each calculator opens with a typical profile — for example a coffee shop with about 22 seats and a revenue guess scaled for your area. Change the concept (cafe vs full-service), size, or ZIP, and unedited fields refill. Anything you type is marked Yours and is kept in this browser. Typicals are not a census of real businesses at that ZIP.
Are the results accounting, tax, or lending advice?
No. Outputs are educational estimates. Benchmarks are directional ranges, not a grade from your CPA or a credit decision from a bank. Always verify figures against your own records and talk with a qualified professional before you price a menu, sign a lease, or apply for a loan.
How do we keep the calculators free?
The site is ad-supported. Display ads help pay for hosting and maintenance. Ads are based on page topic, not on the numbers you enter. Details are in the Privacy Policy. The calculators themselves stay free and do not require a credit card.