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Digital workbook

Analyze your company's health

Interactive exercises from The Language of Business. The numbers you type stay in your browser — nothing is sent to the server.

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Exercise 1 · Chapter 3

Product cost and real margin

Allocate fixed costs by hours worked and find the margin that truly remains on each product.

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Exercise 2 · Section 10.6

Cash break-even point

The revenue floor your bank sees — adjusted for bad debt and the cash outflows the P&L does not show.

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Exercise 3

Cash conversion cycle

How many days cash stays trapped between inventory, customer collection, and supplier payment.

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Exercise 4

Your business dashboard

A single panel with green/yellow/red traffic lights for the indicators you filled in across the exercises.

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Exercise 5

Valuation by EBITDA multiple

What your company is worth today: EBITDA, enterprise value, and equity value — the back-of-the-envelope math investors do.

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Exercise 7 · Chapters 4 and 5

Sales price formation (markup)

Cost, taxes, commission, fees, structure, and target profit go in; the markup divisor, ideal price, minimum price, and maximum discount come out — all automatic.

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Chapter 8 · Management accounting

Full management panel (5 blocks + 7 essentials)

Fill in the balance sheet and P&L once. The panel calculates liquidity, leverage, margins, efficiency, and returns in real time, with traffic lights.

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Exercise 6 · Appendix

Tax regimes

Simples Nacional, Lucro Presumido, and Lucro Real (Brazilian tax regimes) — which road each company should take, with the 2026/2027 reform calendar.

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Bonus · Brazilian tax reform

IBS/CBS calculator for Simples Nacional

Simulate the hybrid Simples Nacional regime under the reform — when it pays to stay outside Simples to claim IBS/CBS credits.

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The numbers you type stay in your browser. Start with any exercise — the dashboard summarizes everything afterwards.