About KnowYourNut
KnowYourNut is a free set of connected financial tools for small business owners. It provides interconnected calculators (break-even, cash flow, margins, hiring costs, taxes, and more) that share data through a single business profile called the Living Memory. Enter your monthly rent once and it flows into every calculator automatically. No spreadsheets, no re-typing, no guesswork.
The Problem
Small business owners use five different calculator sites just to answer basic financial questions. NerdWallet for one thing, Bankrate for another, a random Google result for a third. Every time, they re-enter the same numbers: revenue, expenses, rent, payroll. The calculators don't talk to each other. The answers don't connect. And when something changes, they start over from scratch.
The Solution: Living Memory
Every KnowYourNut calculator reads from and writes to a shared business profile. We call it the Living Memory. Change your monthly revenue in the break-even calculator and your cash flow forecast, pricing strategy, and hiring analysis all update instantly. One source of truth for your entire business.
Who It's For
- Solopreneurs who juggle every role and need answers without digging through five different sites
- Small business owners making hiring, pricing, and cash flow calls without a CFO on staff
- Freelancers trying to nail down what to charge, how much to set aside for taxes, and whether it's time to bring on help
- Side hustlers who want to know if the numbers actually work before going full-time
The Team
KnowYourNut is built by Blue Collar Holdings and comes from years of small business consulting work. We spent that time sitting across the table from restaurant owners trying to figure out pricing, contractors deciding whether to hire their first employee, and freelancers who had no idea how much to set aside for taxes.
One thing kept coming up: every owner was punching the same numbers into five different websites just to get a basic picture of their finances. Revenue here, expenses there, rent again somewhere else. Nothing connected. Nothing remembered what they entered last week.
So we built what we wished we could have handed our clients on day one. A single place where the numbers talk to each other, where entering your rent once means every calculator already knows it, and where the tools actually reflect how a small business owner thinks about money.
Connect With Us
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