One 0–100 score for your small business's overall financial health.
A Business Health Score boils five financial signals down to a single number you can track month to month. It's the equivalent of stepping on a scale: not a diagnosis, but a fast way to see whether the trend is up or down.
Operator Tools' Business Health Score weights five inputs: cash runway, gross margin, sales-vs-target, overdue invoices, and net client churn. Each contributes points; the total lands between 0 (struggling) and 100 (thriving).
The score sums five sub-scores: cash runway (up to 25 points), gross margin (up to 25), revenue-to-target (up to 20), overdue invoices as a share of monthly revenue (up to 15), and net client change (up to 15). A perfect 100 means at least 6 months of cash, 50%+ gross margin, hitting your revenue target, no significant overdue invoices, and growing the client base.
Open the Business Health Score tool
Sign in with a free account.
Enter your last full month's revenue, gross profit, and cash balance
You don't need precise figures — close enough is fine.
Enter overdue invoices, new clients won, and clients lost
Read the score, the colour-coded status, and the suggested next step
Save the scenario and revisit the same five inputs next month
The trend matters more than the absolute number.
No. There is no single accepted formula for business health. Different lenders, accountants, and frameworks weigh things differently. Operator Tools' score is designed to be quick, plain-English, and consistent month to month — what matters is the direction.
Above 80 is thriving territory. 60–80 is healthy but with at least one weak signal. 40–60 means real friction somewhere. Below 40 needs immediate attention — usually cash or margin.
Operator Tools doesn't connect to accounting platforms. The five inputs take a couple of minutes to type, and that brief friction makes you actually look at the numbers instead of trusting a dashboard.
Yes. The Business Health Score is in the free tier with no time limit and no card needed. Sign up with an email to use it.
Create a free account and run the calculator in the next two minutes.