Before anything else, it's a finance workspace founders can run.
Cash, receivables, subscriptions and your own sheets, in one place, with no per-feature surcharges. Eight of its numbers go to the engine in one click.
Cash, net burn and runway on one screen, recounted as you enter the money.
Runway4.8 months
MayJunJulAugSepOct
cash over the three month burn
Cash102,900end of October, 3 accounts
Net burn-5,582October: more in than out
Cash, today
Every account adds up to one cash figure, with what you owe in the next 90 days counted beside it.
Operating account48,000
Reserve47,500
Company card7,400
Cash, 3 accounts102,900
Committed, next 90 days36,600
Burn, and where it went
Every day of the month, money in and out side by side, with the biggest payment named.
Septemberin 14,522out 37,700
tallest day out, the 21st: 18,823 to Payroll
Collect before it goes bad
Every open invoice with the day it falls due. The day one slips past it, it turns red, and the overdue money is split by how late it is, so it never waits for quarter end.
Receivables31,300 not yet paid, 10,300 of it overdue
CustomerAmountDueState
Kessler1,200Aug 3overdue
Fieldmark3,500Sep 9overdue
Tessel3,200Sep 21overdue
Sable Health2,400Sep 30overdue
Orbisa2,900Oct 10open
Overdue, by how late
2,40015 d6,70030 d45 d60 d1,20090 dmore
Bring the numbers in
Connect your own database once, read only, and load any table onto the sheet in one click. It says how many rows landed and where.
Databases
PostgreSQL5 tables
customers
invoices
payments
refunds
subscriptions
ABC
1customeramountdue
2Kessler1,200Aug 3
3Fieldmark3,500Sep 9
4Tessel3,200Sep 21
5Sable Health2,400Sep 30
6Orbisa2,900Oct 10
5 rows landed, A1 to C6
Queries that run on their own
Schedule a query every hour or every morning and see when it last ran, with its row count.
Yesterday's paymentsSQL
every day at 9SELECT * FROM payments WHERE paid_at >= current_date - 1last run 5 October at 09:00, 412 rows
Files and your database
xlsx, xls and CSV files open right in the browser, and PostgreSQL or MySQL connects once, read only.
xlsx, xls, csvin the browser
PostgreSQL5 tables
MySQLread only
Recurring revenue, counted for you
Add each subscription once. MRR, new MRR, churned MRR and churn rate are counted every month, with six months of history.
Subscriptionsrecurring revenue, counted every month
MRR38,30012 subscriptions running
New MRR3,400started this month
Churned MRR1,900ended this month
Churn rate5.2%MRR at the start was 36,800
Customer, state and MRR, the ones that moved in October
Brightwaterrunning, since Oct 31,700
Ellis Rowerunning, since Oct 31,700
Vantorended Oct 41,900
AI ASSISTED
Ask for a formula in English
Describe the calculation in a sentence. The assistant reads the open sheet, writes the formula, and one click puts it in the cell.
ABCD
1MonthRevenueCost of salesGross margin
2September14,5226,25956.9%
3October16,4505,35567.4%
The assistant
Gross margin for October: revenue less cost of sales, over revenue
Formulainto D3
=(B3-C3)/B3put into D3
Close the month, then share it
Every number against last month, with six months behind it.
SeptemberOctoberChangeSix months
Revenue14,52216,450+13%
Cost of sales6,2595,355-14%
Gross margin56.9%67.4%+10.5 pt
Operating spend31,4415,513-82%
Every version kept
Each save is a version. Pin the ones that matter and go back to any, without losing what came after.
History of this book1 of 20 pinned
yesterday 22:11open now
yesterday 22:10Pinned
yesterday 22:09Pin
Ready for the board
Save the month's numbers as a PDF in one click and send it as it is.
The money sideOctober 2026
Revenue16,450+13%
Cost of sales5,355-14%
Gross margin67.4%+10.5 pt
Save as PDF
03·THE TENSION ENGINE
Every dollar carries a reading no spreadsheet ships with.
Cash buffer. Burn rate. Collection lag. Gross margin. Reading layered on the numbers your team already enters.
InvoiceKessler, 1,200Issued Jul 4, due Aug 3, 65 days late
Amount1,200CustomerKesslerDueAug 3
W144 reading
Active tensionSeverityLast moved
Cash Delay10,300 past due on 4 invoices, oldest 65 daysHightoday
Runway Compressionrunway 4.8 months, under 6Highthis week
04·WHAT IT CATCHES
Here's what catching them actually looks like.
Four reads your books logged and never flagged. Each surfaces in Monday's review with a cue in one line.
Runway4.8
Critical4.0
LINE 6 MONTHS
SIGNAL 01·RUNWAY COMPRESSION
Under six months of cash.
102,900 in cash over the three month burn: 4.8 months. For a subscription company this early, under 6 is a warning and under 4 is critical. The lever: stop the spend you can stop, collect faster.
Kessler1,20065 days
Fieldmark3,50028 days
Tessel3,20016 days
Sable Health2,4007 days
SIGNAL 02·CASH DELAY
Cash you've earned, sitting still.
Four invoices past due, 10,300 in all. The oldest, 1,200 from Kessler, is 65 days late. Past 30 days of lag, a subscription business is heading for Cash Delay.
New MRR3,400
Churned MRR1,900
SIGNAL 03·RETENTION COLLAPSE
Churn ate half of what was new.
New MRR 3,400 this month, churned 1,900. Churn reads 5.2 percent a month, past the 3 percent line where Retention Collapse turns critical for a subscription business.
Gross margin67.4%
LINE 70%
SIGNAL 04·GROSS MARGIN PRESSURE
Margin under the subscription line.
Revenue less what delivery cost: 67.4 percent, up 10.5 points on the month, but still under the 70 percent a subscription business should hold. Under 60 it turns critical.
Runway, collection lag, churn, margin. Finance feeds 9 of the 27 patterns.
05·THE MONDAY LOOP
Three numbers. The rest, left alone.
What W144 does before you open it Monday morning.
Finance Review · Cash SliceMonday, Oct 12
01
Freeze non-essential spending and list it within 24 hoursfor Runway Compression, runway is 4.8 months, under 6MMara Ellisonlook again Oct 19
02
Send payment reminders on day 7, 14 and 21, with a reason to pay earlyfor Cash Delay, 10,300 is past due, Kessler 65 days late
03
Review the top five at-risk accounts and find the cause within two weeksfor Retention Collapse, churn is 5.2% a month, over 3%
6 more finance tensions quiet, nothing new since last Monday
WITHOUT W144
Stitch bank, accounting, and a spreadsheet by hand.
Pull the AR aging report, hope nothing's overdue.
Forecast runway on gut; the crunch surprises you.
Cash crunch surfaces at month-end. Too late.
MONDAY REVIEW~45 min
WITH W144
One tab. The three numbers already flagged.
Overdue invoices turn red the day they slip.
Runway counted from the last three months of burn.
Cash crunch caught 60 to 90 days out, not at month end.
MONDAY REVIEW~5 min
06·WHEN HUBS TALK
It gets sharper when other hubs join.
Finance numbers meet the other hubs inside the engine.
WHAT THE ENGINE GAINS WHEN
…CRM JOINSOpen pipeline, read against MRR, burn and runway, shows growth the cash may not carry.
…OPERATIONS JOINSOverdue work and fast lead growth, read against runway, flag growth the team cannot deliver.
These signals only exist where the hubs meet.
CRMPipeline + MRR, runway
OperationsOverdue work + runway
EngineOpen tensions → the book
Finance
07·WHAT CHANGES IMMEDIATELY
Day 1Runway read the moment the numbers are sent.
Your filesBring in a spreadsheet, a CSV or a database table.
AI helperDescribe in English. AI drafts the formula. You approve.
Same weekCash crunch flagged before month end discovers it.
08·WHAT IT COSTS
Three plans. One bill. No per-feature tax.
Finance Hub lives in Operate and above. Your spreadsheet stops at numbers. We start there.
✕ NO FINANCE HUBLAUNCH
$49/month
Solo founder
For founders pre-launch. Web, Marketing, and the Stress Test. Upgrade to Operate when you have a team to run and cash to watch.
·Web Hub
·Marketing Hub
·Business Stress Test
·Dominant tension + primary lever
·300 AI operations / month
Less than three monthly subscriptions you'd buy separately.