Free Tools
Resources for business owners
Practical tools and checklists you can use right now — no signup required.
Clarity Value Estimator
Estimate what disorganized financials cost you annually
Estimate only. Assumes $75/hour owner opportunity cost and 1.2% expense recapture. Not a guarantee of results or a substitute for professional advice.
Month-End Close Checklist
Run this every month and tax season stops being an event
- Reconcile every bank and credit card account
- Categorize all uncategorized transactions
- Review and clear the suspense/ask-my-accountant account
- Record accruals, prepaids, and depreciation
- Verify payroll posted correctly
- Review AR aging and follow up on overdue invoices
- Review AP and upcoming obligations
- Compare actuals against budget and note variances
- Produce P&L, balance sheet, and cash flow statement
- Save a PDF snapshot of all three statements
Records Retention Quick Guide
General guidance — confirm specifics for your situation
- Tax returns & supporting docs3–7 years
- Payroll records4+ years
- Bank & credit card statements3–7 years
- Receipts for deductions3–7 years
- Asset purchase recordsLife of asset + 3 yrs
- Corporate formation docsPermanently
Deep Dives
Start with these guides
Bookkeeping Basics: What Every New Business Owner Needs to Track
The essential records every small business should keep, how long to keep them, and the simplest system to stay organized…
6 min read Tax PlanningQuarterly Estimated Taxes: A Simple Guide for the Self-Employed
When quarterly estimated taxes are due, how to calculate them, and how to avoid the underpayment penalty — explained sim…
5 min read Financial ManagementCash Flow Management: How to Keep Your Business Solvent
Practical cash flow strategies for small businesses, including how to forecast, manage timing, and build a buffer agains…
6 min read Tax PlanningThe Small Business Tax Prep Checklist for Filing Season
Everything you need to gather before filing your small business taxes, organized into a simple checklist so nothing gets…
5 min read