Free tool — no email required

Agency Financial Health Check

Enter six real numbers from this month's books. Get your real Agency Gross Income (AGI), utilisation rate, delivery margin, and break-even AGI — the same formulas used throughout the Agency Financial Operating System — compared against honest industry benchmarks, instantly, in your browser.

The tool is free and needs no email. If you want the full system behind it, the Agency Financial Operating System is $299 — see what it covers.

Team headcount (FTE, including yourself if billable) Total monthly gross billings ($) Monthly pass-through costs ($)

Media spend, licensed software, white-label/contractor work billed straight through to clients.

Total billable hours logged this month (whole team) Monthly payroll + fixed overhead ($)

Everything except owner draw — salaries, rent, software, insurance.

Target monthly owner compensation ($)

Fill in the six fields and click "See my real numbers" — your results appear here, computed entirely in your browser. Nothing is sent to Instilus except an anonymous "diagnostic completed" event with no dollar figures attached.

Available hours assumes 160 hours/month per FTE, a standard full-time baseline — your real available hours may be lower once PTO/holidays are accounted for. Delivery margin here approximates direct delivery cost using total payroll + overhead as a proxy; the full Agency Financial Operating System separates direct delivery cost from full overhead per person for a more precise number.