Features | FinOpHQ

The headline act

Know what each service earns

The reason FinOpHQ exists: most multi-service businesses have one profitable service quietly carrying the others.

What came in, what it cost, what’s left

Money in, labor, and materials broken out for every service: each cost saying exactly where it came from, and always measured over the same stretch of time as the money it’s matched against.

It waits instead of guessing

You never see an invented profit number. Until every cost has a home and the totals match your books, FinOpHQ says "not yet." Other tools guess; this one waits.

Tell it once, it remembers

Point a supplier at a service once and it's handled from then on. When FinOpHQ thinks it has found a pattern, it shows you the evidence and asks. It never files anything behind your back.

What better data is worth

A plain read of how many of your services are priced from real numbers, and what fixing the next one is worth, in dollars and in minutes of setup.

Reads your bookkeeper's work

If your books already tag income and costs by service in QuickBooks, FinOpHQ uses QuickBooks' own subtotals: your bookkeeping system does the sorting, FinOpHQ does the explaining.

Services found automatically

Your services are read from your QuickBooks item names and Jobber job titles, then editable. You confirm the map instead of building it.

Cash

See cash before it happens

Seasonal businesses don't fail in the busy season. They fail in February, from decisions made in July.

The Money Story

One verdict sentence, then the whole year in one picture: of every $100 that came in, where it went: jobs, overhead, taxes, you.

Three months ahead, week by week

Where your cash is headed for the next three months, shaped by your own seasons, naming the thinnest week ahead while there's still time to do something about it.

How long the cash lasts

Your cash divided by what you really spend in a month, with the honesty to say "you're profitable, there is no countdown" instead of inventing one.

Forward flags

A slow month approaching, sales sliding below your own history, more cash leaving than arriving for months in a row: raised early, and calmly.

The winter, priced from your books

What your own off-season historically consumes becomes the cushion target. Inside the earning window, the app names the monthly set-aside and the deadline. Insurance sized by your history, not a rule of thumb.

The paycheck floor

Is payroll covered by work that keeps coming back, or by one good week? FinOpHQ grades your steady income against a normal payroll month. If it runs thin for months in a row, it says so calmly, before a good crew member starts looking.

The Next Hire Advisor

Whether the business can carry the hire you're considering, and if not now, when. It never assumes the hire brings revenue with them. That's the trap it exists to prevent.

Scenario planning

Stack what-ifs (a hire, a price change, a slow quarter) on the same survival rules the rest of the app uses, and read the consequences before you commit.

Keep it

Keep more of what you make

Earning it is the job. Keeping it is the part nobody teaches.

The Tax Room

Every month, the slice of income that belongs to taxes gets set aside, matched to how your business files, and the quarterly payments the IRS expects go on a schedule. The tax money is treated as already spent, because it is.

The Debt Counselor

Every loan and cash advance translated into what it really costs per year (the "quick money" offers are usually the shock), every balance ranked by what it's truly costing you, and payoff plans that refuse to raid your winter cash cushion.

Budgets from your own books

Spending targets three ways: your own history, numbers typical for your trade, or typed by you. Go over one, and you can follow it from the summary all the way down to the actual charges.

The Purchase check

Ask before you buy: type a purchase and get a ruling against the category budget and the month's total, with the reasoning stated. It remembers repeat asks.

Ask the Numbers

The questions owners actually ask (can I make payroll, can I afford to hire, how much should I keep in the bank, am I charging enough), answered from your own books, with the math shown. A list you pick from, not a box you type into; nothing guessed.

The Expense Doctor

Advice on what to cut, with the consequences priced in. Marketing is protected by rule, your own pay is protected by a quality-of-life rule, and taxes are never treated as something to cut.

Owner-pay honesty

If the business only looks healthy because you didn't pay yourself, every affected number says so. Unpaid-owner flattery is suppressed app-wide.

The long game

Know what it's worth

Most owners meet their business's real value for the first time at the worst possible moment: when they're trying to sell it.

What a buyer would pay

Figured from your live books the way business brokers figure it: your profit plus the owner perks your own books can prove, never guesses.

An honest price range

Every way of valuing the business folded into one honest low-to-high range that says what sets the floor and what sets the ceiling, with separate ranges for a person buying themselves a job and a company buying a business.

What raises the price

The specific, checkable things that make a buyer pay more (customers who come back on a schedule first among them), each scored from evidence in your books where it exists.

Deal terms, priced

Four common ways a sale gets paid out, checked against what you still owe and what you'd actually walk away with under each, and a printable proposal when you're ready to have the conversation.

Operations Jobber, in beta

When your field software joins

Connect Jobber and the operations side lights up. These lanes are in beta while real-tenant validation completes, labeled that way in the app, too.

The quote funnel

From "someone called" to "we got paid," joined honestly, including how fast quotes get out the door, the number that predicts whether you win the work at all.

Quoted, billed, banked

What you quoted, what you billed, and what actually hit the bank, with discounts you gave and extra work you added kept separate, never blurred into one comfortable number.

Field labor, no keyboard

Timesheets and the visit calendar become answers: what an hour of crew time really costs with taxes and overhead riding on it, the hourly rate you break even at, and what each job truly made.

Marketing that answers for itself

What each lead costs you, what winning a customer costs you, and which channels pay for themselves, from the lead sources your field software already records, checked against the books.

Trust

Trust the numbers underneath

A dashboard is only as good as its worst posting. This layer is why the rest can be believed.

The bookkeeping auditor

Written rules (deliberately not an AI guessing) flag duplicate-looking charges, money in odd places, a supplier suddenly charging more, and payments that never made it to the bank, each with the dollars at stake.

Checked against QuickBooks itself

Every sync is checked against QuickBooks' own totals. If a gap appears, you're told about it. It is never quietly folded into your numbers.

Every metric shows its work

Each number can unfold into what went into it and why it matters, in plain English. The full metrics catalog ships with the app.

Data health, mapped

A live map of which answers your connected data can support right now, and which are waiting on something you haven't connected yet: honestly sized, never padded.

The household half

Your home’s money, in the same weather

The owner’s paycheck and the business’s cash are one system. Pretending otherwise is how winters get scary.

Accounts that know their job

Connect household banks through the same hosted, read-only sign-in. Each account is asked once which it is (spending, savings, a loan) and whose: yours, your partner’s, joint. The bank’s own label is acknowledged, never silently overruled.

Envelopes with seasons

Spending organized into envelopes that know your year (a summer power bill is a pattern, not a surprise), and the week’s headline is what’s left to spend, not a chart.

Money in, understood

Business draws and paychecks are recognized and told apart. Sources you’ve named are watched for calmly: “not seen in about its usual rhythm” is a note, never an alarm.

A queue that learns

File a deposit or a purchase once and it becomes a rule. The To file queue gets shorter the longer you use it. The software does the remembering.

A weekly report card

The week in plain English, on your schedule (the headline, each envelope, the bills ahead), delivered by email, and readable aloud from the page.

Walled off, on purpose

Business pages never read household numbers and the household never leaks into the books. One subscription covers both sides of your money.

Your trade

Built around home services

Not generic small-business software with your logo on it.

Benchmarks for your trade

Two dozen home-service trade profiles, window cleaning to roofing, so your numbers are judged against businesses like yours, and say which yardstick they used.

Stage-aware advice

Advice sized to where you are: a one-truck operation and a five-crew company need different next moves. FinOpHQ reads your size from the books; you can overrule it, and it checks in calmly when you two disagree.

The Time Audit

A bounded two-to-four-week quest that prices where your own hours actually go, and tells you the month a $15/hour admin hire starts paying for itself.

Learn the numbers

Every metric in the app explained in plain English: what it is, why it matters, and what to do about it. A finance course disguised as tooltips.