Signal Lab

Practical AI SMEs

AI Starter Kit for SMEs

Five safe AI uses, each with a confirm-the-figure check

Open model

Practical AI SMEs

AI Payback & Review Check

Real payback after human review, error redo and running costs

Open model

Profitability What-ifs

Power of One

See what 1% or one day does to profit and cash

Open model

Cash What-ifs

Cash Conversion Cycle (CCC) · Days-to-Dollars

Turn WC days into dollars and see which lever moved

Open model

Balance Sheet Cash What-ifs

Working Capital Composition & Bridge

See what makes up net working capital — and which line moved the cash

Open model

Balance Sheet Cash Risk What-ifs

Balance Sheet Liquidity Scorecard

Current, quick, and cash ratios with policy lights — plus simple AR/inventory what-ifs

Open model

Revenue / Pipeline What-ifs Profitability

Lead-to-Revenue Forecast

Expected bookings from your stage-to-won rates — not CRM default percentages

Open model

Revenue / Pipeline What-ifs Profitability

Sales Capacity Planner

What revenue can your team actually produce — after ramp and attainment?

Open model

Industry — SaaS / Recurring Revenue / Pipeline What-ifs Profitability

ARR / MRR Waterfall

Beginning → new, expansion, reactivation − contraction, churn → ending — with NRR

Open model

Industry — Professional Services Revenue / Pipeline What-ifs Profitability

Services Revenue Ceiling

Headcount × hours × utilization × realized rate — the services P&L engine

Open model

Industry — Training & Safety Profitability What-ifs

Course / Session Economics

Fill rate, trainer cost, and cancellations → session margin and break-even fill

Open model

Industry — Construction & Contracting Balance Sheet What-ifs Profitability

Construction WIP Schedule

Percent complete, earned revenue, and over/under billing by job

Open model

Industry — Retail & Distribution Balance Sheet Profitability What-ifs

GMROI Inventory Return

Gross margin return on inventory — Margin% × Sales turns

Open model

Industry — Manufacturing Profitability What-ifs

Manufacturing Throughput Ranker

Rank products by throughput per bottleneck minute — not absorption cost

Open model

Profitability What-ifs

CVP Break-Even & Leverage

Break-even, margin of safety, and how 1% volume moves profit

Open model

Profitability What-ifs

Gross Margin PVM Bridge

Explain every dollar of margin change — price, volume, mix, cost

Open model

Balance Sheet Profitability What-ifs

DuPont ROE Tree

Split ROE into margin, turnover, and leverage (3- and 5-step)

Open model

Balance Sheet Risk What-ifs

Covenant & DSCR Headroom

Leverage, interest cover, and DSCR (debt service coverage ratio) vs your thresholds — with stress

Open model

Cost / People Profitability What-ifs

Fully Loaded Headcount Cost

True $/FTE after on-costs — plus a simple headcount bridge

Open model

Profitability What-ifs Cash

Pocket Margin Waterfall

List to pocket price to pocket margin — see where margin leaks

Open model

Cash What-ifs Profitability

Early-Pay Discount Calculator

Annualised return on early-pay discounts vs your cost of capital — take or hold

Open model

Balance Sheet Cash Risk What-ifs

Net Debt & Liquidity Headroom

Gross → net debt → available liquidity — with a 12-month maturity view

Open model

Balance Sheet Profitability What-ifs

Invested Capital & ROIC Bridge

Build invested capital two ways, then ROIC vs WACC (and EVA)

Open model

Investment & Return What-ifs

CAGR Calculator

Compound annual growth from start, end, and years

Open model

Investment & Return What-ifs

ROI Calculator

Gain vs capital outlay (not annualised)

Open model

Investment & Return What-ifs

NPV Calculator

Present value of a cash-flow stream at your discount rate

Open model

Investment & Return What-ifs

IRR / XIRR Calculator

Internal rate of return vs your hurdle

Open model

Investment & Return What-ifs

Payback Period Calculator

Years to recover the investment (simple + discounted)

Open model

Investment & Return What-ifs

Profitability Index Calculator

PV of inflows ÷ outlay — rank when capital is scarce

Open model

Balance Sheet Cash Risk What-ifs

AASB 16 Lease BS Impact

ROU asset + lease liability (AASB 16 ≈ IFRS 16) — ratios and covenants

Open model

Balance Sheet What-ifs

Depreciation Schedule

Cost, salvage, life — SL or declining-balance year table

Open model

Balance Sheet Cash What-ifs

Amortisation Schedule

Principal, rate, term — level payment and year schedule

Open model

Balance Sheet Profitability Cash What-ifs

3-Statement Model

Linked P&L / BS / CF across a few periods — sketch forecast

Open model

Profitability Balance Sheet What-ifs

Year-End Health Scorecard

Accountant-pack ratios with liquidity, leverage, profit, and efficiency lights

Open model

Profitability What-ifs

P&L Margin Stack

Revenue → Gross → EBITDA → EBIT → EBT → NPAT waterfall in $ and %

Open model

Cash Profitability What-ifs

Free Cash Flow & Cash Conversion

NPAT → Approx CFO → FCF bridge with cash-conversion light

Open model

Growth / Unit Economics What-ifs Profitability

LTV:CAC & CAC Payback

Channel unit economics — CAC, LTV, ratio, and months to pay back

Open model

AU / Treasury What-ifs

Franking & Dividend Capacity

Max frankable dividend from your franking surplus — without over-franking

Open model