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The Money Reveal Calculator
The Wealth Visionnaire
The Money Reveal Challenge

The Money Reveal Calculator

Every dollar you spend in your business is an investment. This shows you which ones are actually paying you back, and what that means for your own wealth.

Nothing here is saved or sent anywhere. Everything you type stays in this browser tab and disappears when you close it. Nobody sees your numbers, including me. Print the page at the end if you want to keep them.
Three things this tool assumes, before you start
  • Money in and money out, nothing more. Every number here is a projection based on what you type, not a promise of what will happen.
  • Before tax, always. What you actually keep depends on your entity type and bracket. This shows business profit, not take-home pay.
  • Your honest guess, not your hopeful one. Anywhere you're estimating instead of measuring, use the number you'd bet on, not the one you're rooting for. That's what makes this useful instead of just encouraging.

What are you evaluating?

Different investments pay you back in different ways. Pick how this one is meant to return money, and the questions change to match.

The ad spend, affiliate commission, or sponsorship fee. The money you put in.
Money you actually collected from sales you can trace back to this. Not lifetime value, not what you hope they'll spend later.
If this sells a subscription or payment plan, count only what you'll actually collect inside this window, not the full contract value.
This changes nothing about your profit. It only makes the "if you had just invested it" comparison fair, because spending $5,000 across six months isn't the same as having $5,000 to invest on day one.
What counts here?

Only what it costs to actually give people what they bought. Not the money you spent above, that's already counted separately. Not your rent, software, or salary.

  • 0 to 5% a course or digital product that already exists. Mostly just payment processing.
  • 5 to 15% coaching you deliver yourself.
  • 20 to 40% a group program where a contractor or assistant helps deliver.
  • 30 to 50% a service your team delivers instead of you.
  • 40 to 60% anything physical you have to make and ship.

Not sure? Payment processing alone is around 3%.

What is this?

If this ad's real job is bringing people into your world rather than selling them something directly, use this for your honest guess at what happens after this window closes. Someone who books a $47 Challenge seat and later becomes a $495 Money Map client, for example.

This number is never counted in your true return above, and it never changes your verdict. It's shown on its own, separately, so you don't lose sight of it, and so it can't quietly turn a real loss into a fake win. Guessing at future value is exactly how businesses talk themselves into bad ad spend.

Before you look at the number

Four questions. Answer them honestly, because the math can't.

I know the specific result I expect from this, and roughly when.
I know what it realistically has to produce to pay for itself.
I'm deciding from clarity, not from urgency, pressure, or fear of missing out.
If this returns nothing, my business absorbs it without destabilizing.
These four answers change nothing in the math. Not one number above or below moves based on what you answer here. They travel with the decision into your list in Step 2, so that later you can see which choices you made with clarity and which ones you didn't. That pattern tends to be more useful than any single number in this tool.
Your true return
$0
Fill in your numbers above.

How that number is built

Every line below is either money in or money out. Nothing is counted twice.

None of this includes taxes. Every figure here is before tax. What you actually keep depends on your entity type, your bracket, and your deductions, and this tool doesn't model any of that. Read these as the profit your business generated, not the money that ends up in your pocket.
$0
This investment
returns
$0
Same money simply
invested at 7%

Every investment competes with the simplest option you have: leaving the money invested and doing nothing. That's the bar. The comparison is matched to how you actually paid, because money paid monthly never had the full amount working for you.

Every dollar you've put to work

Every business decision you've evaluated, ranked by what it actually returns. Your Golden Geese are earning their place. Your Ghosts are costing you quietly.

Nothing added yet. Evaluate something in Step 1 and add it here.

The cost of cash sitting still

Money in a business checking account isn't safe. It's just still. Inflation moves, it doesn't. This is what that stillness costs you.

Not your tax reserve or your operating float. The cushion beyond that, the money just sitting there.

Three places that money could live

Where most business cash sits by default. Instant access, effectively no growth.
Still liquid, still FDIC insured, still available tomorrow if you need it. As of August 2026 the leading accounts pay in the low 4 percent range. Rates move with the Fed, so this one changes.
Long-term money only, and it can go down as well as up. The S&P 500 has averaged roughly 10% a year since 1957 and about 11.5% over the last 40 years as of December 2025. 7% is deliberately conservative. Past performance never guarantees future results.
The cost of sitting still
$0
$0
Checking or
standard savings
$0
High-yield
savings
$0
Diversified
portfolio

The move from the first bar to the second costs you nothing in risk or access. That's usually the easiest money you'll ever find.

None of this includes taxes. Interest from savings is taxed as income in the year you earn it. Investment growth is generally taxed when you sell, at a rate that depends on how long you held it and what kind of account it sits in. Holding this money inside a tax-advantaged account changes these numbers meaningfully. None of that is modeled here.

What this exercise actually surfaced

Not all of this is new money, and it matters which is which. Here's the honest split.

The rest stays in the business for taxes, reserves, and reinvestment. Whatever you set here is still a pre-tax figure.
If you redirected that to yourself
$0
None of this includes taxes. What you can actually pay yourself, and how it gets taxed, depends on your entity type, whether you take it as salary or distribution, and your bracket. That's a conversation with your accountant, not a slider. If you want figures that do model current tax brackets, that's what the Financial Freedom Calculator below is built for.

So when do you actually get to stop?

This tool tells you whether a business decision is worth making. It doesn't tell you the bigger thing: the number that means you work because you want to, not because you have to. That's a different calculation, and it's the one that changes how you run everything else.

See the Financial Freedom Calculator →
thewealthvisionnaire.com/offers/EgZe8MsR/checkout
Julie Praline, The Wealth Visionnaire

Want someone in this with you?

You just did this on your own, with a calculator. Some of what came up will be obvious. Some of it will raise questions a tool can't answer, because they're about your business specifically, not businesses in general. If that's where you've landed, let's look at your actual numbers together.

Book a discovery call →
calendly.com/thewealthvisionnaire-info/30min-zoom-call

Keep your numbers

Nothing is saved when you close this tab. Print this page, or save it as a PDF from the print dialog, so you still have your numbers tomorrow.

Something not working, or missing? Tell me →

This tool is for educational purposes only. It is not financial, legal, tax, or investment advice. Every figure shown is before tax and excludes any tax you may owe on business profit, owner pay, interest, or investment gains. All figures are based on the numbers and assumptions you enter, including your own estimates of future results, and are illustrations rather than predictions. Investing involves risk, including possible loss of principal. Always consult your own licensed advisor before making financial decisions.

The Wealth Visionnaire®