Built for farmers. Built for ranchers.

DIY Financial Intelligence
for Ag Operators

No accountant jargon. No subscription fees. Just clear, Excel-based tools that translate your numbers into decisions you can actually act on.

Free
Start with the Schedule F Decoder Enter your Schedule F numbers and get a plain-English profitability breakdown — no email required.
Try it free →

Start free. Build from there.

Each tier builds on the last. Use the free Decoder to understand where you stand, then grab the tool that matches where you want to go.

🆓 Schedule F Decoder
📊 Profitability Workbook
💧 Cash Flow Forecaster
🤠 Full Bundle
Tier 1 — Know Your Numbers

Profitability Workbook

5 years of income and expenses laid out clearly. Built on Schedule F logic so your tax return goes straight in.

$ 27

One-time purchase · Excel + Google Sheets

Get the Workbook →

What's included

  • 5-year side-by-side profitability view
  • Schedule F-aligned income & expense rows
  • 8 auto-calculating financial ratios per year
  • Lender-ready one-page summary tab
  • Industry benchmark comparisons
  • No macros — works in any Excel version
  • Built-in instructions & definitions
Tier 3 — Full Intelligence

Ag Financial Intelligence Bundle

Web tool + full Excel bundle. Peer benchmarks, debt capacity, lender-ready summaries. Everything a serious operator needs.

$ 97

One-time purchase · Web tool + Excel bundle

Get the Bundle →

What's included

  • Interactive web-based analysis tool
  • Peer benchmarking vs. 10+ operation types
  • Debt capacity & loan affordability analysis
  • Lender talking points (plain English)
  • Full Excel bundle download (both workbooks)
  • Unlimited tool access after purchase
  • Updates included as benchmarks refresh
  • + everything in Tiers 1 & 2

For educational use only. Not financial, tax, or accounting advice.
Purchase does not establish an accountant-client or advisory relationship.
By purchasing, you agree to the Terms of Purchase and acknowledge you should consult a qualified professional for your specific situation.

📥 Instant download after purchase
📋 No subscription, ever
🐮 Built by a Farm Credit CPA
📊 Works in Excel & Google Sheets

Built around how ag operations really work

Every formula, every label, every ratio was designed for farm and ranch financials — not generic small business templates.

📊
Profitability Workbook
$27 — Tier 1
  • Every row maps to a Schedule F line number
  • Compare up to 5 years side by side
  • Operating margin, expense ratio, debt load — all auto-calculated
  • One-page summary you can hand to a lender
  • No macros, no VBA, no security warnings
  • Works offline, no internet required
💧
Cash Flow Forecaster
$47 — Tier 2
  • 12-month view of when money comes in and goes out
  • Seasonal patterns built for cattle, row crop, and diversified ops
  • See your lowest cash point before it hits your account
  • Test "what if" scenarios for commodity prices and input costs
  • Know how big of an operating line you actually need
  • Print-ready format for your ag lender
🤠
Ag Financial Intelligence Bundle
$97 — Tier 3
  • Web-based tool — nothing to install or update
  • Compare your margins against USDA benchmarks for your op type
  • Debt capacity analysis: what can your operation actually support?
  • Plain-English lender talking points generated for you
  • Full Excel bundle included (Tiers 1 + 2)
  • Benchmark data updates included as they refresh

From tax return to financial clarity

Four steps. No accountant required.

1

Run the free Decoder

Enter your Schedule F numbers. Get a plain-English profitability breakdown in 2 minutes.

2

Build your history

Drop last 5 years of data into the Profitability Workbook. See trends you've never noticed.

3

Map your cash flow

Use the Cash Flow Forecaster to see exactly when your operation needs money — before it happens.

4

Benchmark & prepare

With the Bundle, see how you stack up against peers and walk into your next lender meeting ready.

Field CFO — Farm Financial Analysis Advisory

Go beyond tax-basis numbers. Field CFO is the financial analysis framework I use in my advisory practice — I convert your Schedule F into accrual-basis management accounting, covering inventory adjustments, enterprise profitability, DSCR analysis, and a prioritized action plan.

📋
Starts From Your Tax Return

Your Schedule F is the starting point — I build the full management picture from there.

🔄
Management Adjustments

Inventory, prepaids, accrued revenue/expenses — I work through each adjustment to show your real numbers.

🏢
Enterprise View

Profitability broken down by enterprise — revenue, costs, and margins for each part of your operation.

📊
Analysis & Action Plan

KPI analysis, DSCR review, and prioritized improvement recommendations delivered to you.

Learn About Field CFO → Advisory Dashboard →

Start free. No email required.

The Schedule F Decoder costs nothing and takes 2 minutes. If it's useful, the next step will make sense on its own.