A self-assessment with working numbers
Compare your known costs, then check Google Maps information, review requests, mobile website actions, measurement, competitors, software, payment options, pricing and operating records. The tool turns reported gaps into next steps and separates unknown answers from known issues. It does not crawl your site, connect to your accounts or retrieve live rankings.
No invented revenue opportunity
Only entered current and proposed expenses contribute dollars to the cost comparison. Search visibility, reviews and website answers never create an automatic revenue estimate or a composite business score. Their value needs an observed baseline, completed inquiries or sales, and a consistent measurement period.
A consistent month
Use revenue, settled card volume and expenses from the same representative month and accounting basis. Convert an annual subscription to its monthly equivalent. Values are USD; the model accepts nonnegative amounts up to $100 million per field with two decimal places and up to 30 expense lines.
Count each bill once
Known monthly expenses are the sum of entered current costs. A row marked as included in another bill is excluded from every total, including its proposed cost and one-time costs. Put the complete current and replacement costs on the parent bill. A blank current cost remains unknown, not zero.
Compare actual alternatives
Monthly cost difference is current cost minus proposed cost, summed only for lines with both values entered. Cost increases offset reductions. A blank proposed cost does not mean free; unpriced bills stay at their entered current cost in the scenario. Compare equivalent features and all remaining fees, not just advertised rates.
First year and payback
Annualized cost difference is the monthly difference multiplied by 12. First-year difference subtracts entered one-time setup, equipment, cancellation and migration costs. Simple payback is total one-time costs divided by the positive monthly difference. The model assumes changes take effect immediately and twelve identical months. It does not model seasonality, delayed contract exits, inflation, financing or tax effects.
A working margin, not verified profit
Revenue minus listed expenses is shown separately from profit. The entered expense margin is that remainder divided by revenue, multiplied by 100. It appears only with positive revenue, no missing current costs and your confirmation that the expense list is complete. This does not independently verify the records or produce financial statements, cash flow or tax advice.
Processing effective rate
Effective rate is the total counted processing expense divided by positive settled card volume, multiplied by 100. Include all fees for the same period and transaction mix. It is a measured cost ratio from your entries, not an assessment that a rate is good or bad and not a BlueFinch quote.
No signup or upload
The calculator runs in your browser. It does not send your entered figures or answers to BlueFinch, save them in browser storage, or put them in a share link. Reloading clears the scenario. CSV downloads and printouts include the inputs and assumptions; you decide whether to share them.
Clearly labeled examples
The optional example uses a fictional repair business with invented costs and proposals. It shows how the math and bundled bills work, not a customer result, industry benchmark or BlueFinch price. If you edit it, the edited-example label stays until you clear it.
How to use the action list
A No answer produces a practical action. Not sure produces a task to investigate; it does not count as a failure. Yes means you reported the process in place, not that BlueFinch verified it. Not applicable is excluded. The checklist cannot establish that a business has no other problems or that a change will increase sales.
Useful next steps and sources.
- Business toolbox
Check capabilities and connection requirements.
- Small business savings audit
Compare actual recurring and one-time costs.
Primary references
- SBA: Managing business finances and cost-benefit analysis
Use consistent records and consider both recurring and one-time costs.
- Google: How local ranking works
Local results depend on relevance, distance and prominence. This calculator does not estimate a ranking or revenue improvement.
- Google Maps: Review and rating policies
Ask for genuine feedback without incentives or selectively soliciting positive reviews.