About KnowYourNut
KnowYourNut is a free financial operating system for small business owners. It includes 30+ calculators that share a single business profile, so your numbers stay connected across every tool. Break-even, cash flow, hiring costs, taxes, pricing, and more, all in one place, all talking to each other.
What We Do
We give small business owners one place to answer every financial question they face, from "can I afford to hire?" to "what should I charge?" to "will my cash flow hold through January?"
- 30+ free calculators covering break-even, profit margins, hiring costs, quarterly taxes, loan payments, and business valuation
- A shared business profile (the Living Memory) that keeps your numbers consistent across every calculator, no re-entering data
- QuickBooks integration and bank connections so your calculators use real numbers from your business, not guesses
- An AI Financial Advisor that reads your data and tells you what to pay attention to next
Who It's For
KnowYourNut is for small business owners who make their own financial decisions. Not accountants, not enterprises, not people with a CFO on speed dial. If you are the one deciding what to charge, who to hire, and whether the numbers work, this is for you.
- Contractors figuring out job pricing and whether to bring on a crew member
- Restaurant owners tracking margins and forecasting slow-season cash flow
- Freelancers setting rates and estimating quarterly tax payments
- Retailers deciding whether a second location pencils out
- Real estate investors running DSCR, cap rate, and loan comparisons
- Service businesses modeling what it actually costs to add an employee
Why We Built It
KnowYourNut was built by Tim Sorrentino, a U.S. Army veteran and small business owner who spent years helping other owners get their numbers right. He kept watching the same thing happen: an owner would punch revenue into one calculator, expenses into another, and rent into a third, then try to stitch the answers together. Nothing connected. Nothing remembered what they entered last week.
Tim built the tool he wished he had when running his own businesses and sitting across the table from clients. 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 reflect how a small business owner actually thinks about money.
The Living Memory
The Living Memory is what makes KnowYourNut different from every other calculator site. It is a shared business profile that every calculator reads from and writes to. Change your monthly revenue in the break-even calculator and your cash flow forecast, pricing analysis, and hiring cost estimate all update instantly.
No account is needed to use the calculators. Create a free account and the Living Memory saves your inputs across sessions. Connect QuickBooks or your bank and the Living Memory fills with real data from your business, so your calculators show actual numbers instead of estimates.
Frequently Asked Questions
What is KnowYourNut?
KnowYourNut is a free financial operating system for small business owners. It includes 30+ calculators covering break-even, cash flow, profit margins, hiring costs, taxes, and more. Unlike standalone calculators, every tool on KnowYourNut shares data through a Living Memory business profile, so changing one number updates all your calculations automatically.
Who is KnowYourNut for?
KnowYourNut is built for small business owners who run their own finances: contractors, restaurant owners, freelancers, retailers, real estate investors, and service businesses. It is not built for accountants or enterprises. The tools use plain English and produce answers that help owners make decisions, not just numbers that need interpretation.
Is KnowYourNut free?
All calculators are free with no account required. Creating a free account saves your inputs across sessions through the Living Memory feature. Pro features including the AI Financial Advisor, PDF exports, and unlimited scenario comparisons are $19 per month or $149 as a lifetime purchase.
How is KnowYourNut different from QuickBooks or NerdWallet?
QuickBooks is accounting software that records what happened. NerdWallet's calculators are standalone tools for a general audience. KnowYourNut helps you figure out what to do next: whether you can afford to hire, whether your pricing covers costs, whether your cash flow will hold through a slow month. The calculators connect to each other and can connect to your QuickBooks data.
What calculators does KnowYourNut include?
KnowYourNut includes 30+ calculators across financial planning, hiring, taxes, pricing, real estate, and more. Key tools include Break-Even Calculator, Cash Flow Forecast, Employee True Cost Calculator, Quarterly Tax Estimator, Salary vs Distribution Calculator, Profit Margin Calculator, SBA Loan Calculator, Business Valuation Calculator, and DSCR Calculator.
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