Real-time financial clarity for small business owners. Cash flow, margins, tax obligations, compliance deadlines. Not more reports to ignore. Answers.
⚡ No signup required · Results in 60 seconds · Or start a 14-day free trial →
Two free calculators that give you real answers in 60 seconds
Enter your revenue and expenses. Get your gross, operating, and net margin with industry benchmarks instantly.
See exactly what you owe in self-employment and federal income tax — and when it's due. Plan ahead, avoid surprises.
Benchmarks by industry: HVAC, plumbing, landscaping, contracting, and more.
Step-by-step guide to SE tax, federal brackets, QBI deduction, and payment deadlines.
The difference between P&L and cash runway — and how to track both.
Five modules. One platform. Watch how MarginProfitIQ works.
No accountant required. No complicated setup. Just upload your data and start making better decisions.
Export a CSV from your bank or accounting software and drop it in. MarginProfitIQ categorizes income and expenses automatically — no tagging, no manual entry required for the first import.
⚡ Under 3 minutesYour Profit Health Score, gross margin, 90-day runway, and quarterly tax estimate are calculated the moment your data loads. Compare against industry benchmarks specific to your trade.
⚡ Real-time calculationSmart alerts notify you when margins slip, a tax deadline approaches, or your cash runway drops below safe thresholds. Know in January what could hurt you in April — not after it already has.
⚡ Proactive, not reactiveService business owners across 15+ industries — here's what changed.
“I thought my plumbing crew was profitable. The margin report showed three job types running at 8% gross. I repriced them within the week. Recovered over $11,000 in Q1 alone just from adjusting those rates.”
“The 90-day cash flow projection flagged a tight window in March back in late January. I moved two invoices forward and renegotiated a supplier payment. My bookkeeper would have caught it two weeks before it happened. This caught it six weeks out.”
“I was paying $640 a month for someone to give me a P&L once a week. Now I have it in real-time, every day, plus the tax estimates and alerts she never gave me. Best financial decision I made last year.”
Small business owners make financial decisions based on their bank balance and gut instinct. That works until it doesn't. MarginProfitIQ connects to your existing data and translates numbers into plain-language guidance, proactive alerts, and industry benchmarks you can act on today.
Everything a small business needs to understand its financial health, updated in real time.
Connects to your bank and accounting data. Flags anomalies the moment they appear. Projects your 90-day runway so you never get surprised.
Monthly comparison of your overhead against industry averages. Know instantly if you're overspending on payroll, rent, or supplies.
Auto-calculates quarterly estimated taxes from your real-time P&L. No more scrambling. No more penalties. You know what you owe before it's due.
Revenue, margins, cost trends, and collections rate, auto-updated and presented in language a business owner actually understands.
Payroll tax deadlines, quarterly filings, state notices. You'll know about them weeks in advance, not the night before. Because "I forgot" costs real money.
Real CFO advisory starts at $3,000/month. This starts at $49.
Create account, then upgrade inside the app
Create account, then upgrade inside the app
Quick answers before you start your free trial.
Upload your transaction data via CSV or enter it weekly through the manual entry form. MarginProfitIQ automatically categorizes income and expenses, calculates your real profit margins, projects your 90-day cash flow, and estimates quarterly tax obligations. No accounting knowledge required — first insights in under 5 minutes.
No — and it isn’t trying to. MarginProfitIQ gives you the same real-time financial visibility your accountant has, so you can make better decisions every day between tax seasons. Business plan users get an Accountant Portal so your CPA can review clean data directly. Think of it as giving your accountant a head start and giving yourself year-round clarity.
Yes. All data is encrypted at rest with AES-256 and in transit with TLS 1.3. We never store raw bank credentials and you own your data — export or delete it at any time. MarginProfitIQ was built on infrastructure with bank-level security practices from day one, not bolted on later.
Tax estimates are calculated from your actual P&L data, factoring in self-employment tax and federal income tax brackets. They’re estimates for planning purposes — your accountant confirms final amounts. Early users in Q1 2026 saw estimates come within 3% of actual tax liability. The goal is no surprises on June 15 or September 15.
MarginProfitIQ supports 15+ service business industries: HVAC, plumbing, electrical, landscaping, roofing, painting, cleaning, consulting, construction, auto repair, pest control, and more. Industry-specific benchmarks are built in so you compare your margins against businesses like yours — not generic averages.
Your 14-day trial is free with no credit card required to start. After the trial, choose the Pro plan ($49/mo) for full financial monitoring, tax estimates, and invoicing, or the Business plan ($99/mo) which adds the Accountant Portal and advanced forecasting. Cancel anytime — no lock-in.
MarginProfitIQ was built by a CPA who got tired of watching small businesses learn about their cash flow problems a year too late. Financial intelligence that speaks your language, watches your numbers, and tells you what to do about them.
Start Your 14-Day Free TrialFree to start. No credit card required.