Cash flow & runway analysis for founders & finance leads

Gross and net margin, opex ratio, month-over-month growth, and cash runway — exact from any P&L or transactions export. No bookkeeper required.

Metrics computed automatically

• Gross & net margin: (revenue − COGS) / revenue; net income / revenue
• Operating expense ratio: operating expenses / revenue
• Month-over-month growth: (this month − last month) / last month
• Cash runway: cash balance / average monthly net burn
• Revenue concentration: share of revenue from the top accounts

Frequently asked questions

What export works for cash flow analysis?

A QuickBooks/Xero P&L export or any transactions CSV with a date, an amount, and a type/category column. Add a cash balance column to get a runway estimate. Talon auto-detects the layout.

Is runway a real calculation?

Yes — runway = cash balance ÷ average monthly net burn, computed from your rows with the formula shown. It's decision support, not a forecast guarantee, and not tax or investment advice.

Can it replace my accountant?

No — it's decision support for monthly P&L review and cash planning, not tax preparation. It handles the analysis you'd otherwise do in spreadsheets.

How much does it cost?

Free to start (50 credits, no card). Paid plans start at $15/mo.