Free tool · Profit vs Cash Calculator

You're profitable on paper. So why is cash always tight?

Plug in your CAC, margins, and repeat numbers. We'll calculate your 12-month LTV, show how much cash is tied up in customers who haven't bought again yet, and what would free it up.

01 What you spend to land a customer

If you don't know your true CAC, run the CAC calculator first.

Customer acquisition cost

Use your true CAC, not what your dashboard reports.

$
02 What you keep on each order

A typical first order, and what's left after costs.

Average first order value

AOV across new customers.

$

Contribution margin %

After COGS, fulfillment, processing, returns. Don't know? Use 35% as a DTC default.

%
03 How often customers come back

Where most founders get optimistic. Use the actual numbers from your store. These two numbers, plus your AOV and margin, are how we'll calculate your 12-month LTV.

60-day repeat rate

% of new customers who buy again within 60 days.

%

Annual order frequency

Average orders per customer per year, including the first one.

04 How fast you're growing

Used to translate this into the cash you have tied up at any moment.

New customers per month

Last 30 days, first-time buyers only.

Why this happens

Your P&L looks fine. Your bank account doesn't.

Founders in the messy middle hit this wall every month. The P&L says you made money. Cash says otherwise. The gap is almost always sitting in customer acquisition, dollars you spent on customers who haven't bought again yet. Until they do, that money isn't yours to use.

01

Profit on paper isn't cash in hand

Accounting profit counts a customer as profitable the moment they cover first-order margin. Cash flow doesn't care about accounting. You're only really paid back when they buy again, or you stop spending to acquire more.

02

Every new customer ties up cash

You spend CAC today. You recoup it slowly over weeks or months as that customer buys again. Multiply by every new customer, every month. The total sitting in unrecouped CAC at any moment is real money you can't touch.

03

The faster you grow, the worse it gets

Counterintuitive but true. Doubling acquisition doubles the cash tied up, even if margins are great. It's why brands raise rounds when they hit a growth inflection, the cash gap widens before it narrows.

04

Repeat rate is the release valve

A 10-point lift in 60-day repeat usually frees up tens of thousands in tied-up cash within a quarter. Email, SMS, post-purchase, product mix, all feed this number.

05

Margin makes the math work or not

A 25% margin business and a 45% margin business with the same CAC and the same repeat are not in the same boat. Higher margin recoups faster, ties up less cash, scales easier.

06

CAC is the upstream lever

Half your CAC, half your tied-up cash. If repeat rate is hard to move and margin is what it is, getting acquisition cost down is often the fastest way to feel less squeezed.

What good looks like

How tight cash should feel, by stage.

Under 90 days
Cash flows freely

CAC recycles fast. You can scale without raising or financing inventory. Cash never feels tight, even at growth.

90 – 180 days
Cash feels tight at growth

Workable, but every dollar acquired ties up cash for 3 to 6 months. Scaling spend means raising or financing inventory. The most common range for the messy middle.

180+ days
Cash is constantly tight

You're financing growth out of pocket. Either margin is too thin, repeat is too low, CAC is too high, or all three. Fix this before scaling further.

If you want eyes on your numbers

Tired of cash being the bottleneck?

Knowing where your cash is stuck is step one. Freeing it up without slowing acquisition is the work. EcomIQ is hands-on mentorship for DTC founders who want operator-level eyes on their numbers, not another course.

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