If prices vary, use your most common sale.
What one sale costs you in stuff: materials, product, packaging.
Your hands-on time for one sale, start to finish.
What you would pay someone else to do this work.
Square, Stripe, Etsy, PayPal, whoever takes a cut.
Bills that show up whether you sell or not.
Used to spread overhead across each sale.
Bills that arrive whether you sell or not.
A rough average is fine.
Checking plus savings the business can actually use.
Rent, payroll, supplies, subscriptions, everything.
Invoices out, money promised but not paid yet.
Whatever is due before the month turns.
Try a number and watch the runway stretch.
Overwrite the examples with your real subscriptions. Add rows as you remember them. Check your bank statement, the forgotten ones hide there.
Now list ten people who already like you
Past customers, friends who asked about your stuff, people who commented on a post.
This list resets itself every Monday. Twenty minutes, once a week, beats a marketing binge once a quarter.
Everything that came in last month.
What the things you sold cost you.
Include your own pay. You count.
Add utilities here if you like.
Software, insurance, supplies, fees, the rest.
Business accounts only.