Tools & Templates

Everything you need to understand your numbers.

From a free Schedule F breakdown to a complete financial intelligence suite — all built for real ag operations.

Free Tools
✓ Free
Schedule F Decoder
Start here
Enter your Schedule F line items and get a plain-English breakdown of your farm's income, expenses, and profit margin — with benchmarks for your operation type. No spreadsheets, no jargon.
Free
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✉ Free with email
Schedule F Excel Template
DIY organizer
A clean, pre-formatted Excel workbook that mirrors Schedule F line items. Organize your income and expenses for tax prep or bookkeeping hand-offs — no formulas to set up yourself.
Free
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Guides
Free Guide
Every Farm Tax Deduction on Schedule F (Line-by-Line)
A plain-English walkthrough of every Schedule F expense line item — what counts, what doesn't, and where farmers most often leave money on the table. 25 categories, zero confusion.
Free
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Free Guide
Cash vs. Accrual Accounting for Farms
Cash basis vs. accrual basis — why it matters for your Schedule F, your lender, and your actual financial picture. Includes a comparison table for each method.
Free
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Free Guide
What Your Farm's DSCR Actually Tells Your Lender
Debt Service Coverage Ratio explained in plain English — what it means, how it's calculated, what lenders look for, and how to improve yours before your next loan review.
Free
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Free Guide
How to Track Farm Cash Flow (Without a Finance Degree)
Cash flow is the heartbeat of any ag operation. A practical guide to tracking it, planning for the seasonal gaps, and staying ahead of the dry spells.
Free
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Overview
Farm Working Capital: What It Is and Why Ag Operations Run Thin
What the agricultural working capital ratio benchmarks mean, how USDA classifies risk by liquidity position, and the most common reasons farm working capital erodes quietly before anyone notices.
Free
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Free Guide
Farm Working Capital: What It Is, Why It Matters, and How to Improve It
Working capital is the financial cushion that keeps your farm running between income events. Here's how to calculate yours, what lenders expect, and practical ways to strengthen it.
Free
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Free Guide
Know Your Breakeven: The One Number Every Producer Needs in 2026
If you're selling corn at $4.10 and your breakeven is $5.35, you're losing money on every bushel. Here's how to calculate your actual breakeven price, what the 2026 USDA data means for margins, and how to make decisions before the season locks you in.
Free
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Free Guide
Top Producers Use These 5 Ratios to Keep More of What They Earn
Most ag operators work hard but fly blind financially. Top producers track five key ratios — one from each area of farm financial health — to see where money leaks, whether debt is healthy, and if the operation is building wealth. How to calculate each ratio and what healthy looks like.
Free
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Free Guide
Why Farm Growth Eats Cash (And What to Do About It)
Expanding your operation? Here's why growth widens the cash gap, how the cash conversion cycle works in ag, and what to do before your bank account runs dry. Real examples from cow-calf expansion, new acreage, and new market entry — plus the ag-specific fix list.
Free
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Guide
The Spring Cash Crunch: Why It Hits Farms Hard — And What to Do About It
Input costs front-load every spring while crop revenue arrives months later. Here's why the timing mismatch is structural, how it compounds for expanding operations, and the four practical fixes that keep you out of an April lender crisis.
Free
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Free Guide
How to Build a 12-Month Cash Flow Forecast for Your Farm
A real cash flow forecast shows you when money moves in and out — not just what happened at year-end. Here's how to build one: all seven components, five red flags to watch for, and step-by-step instructions to get it done and put it to work with your lender.
Free
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Paid Workbooks & Bundles
Tier 1
Profitability Workbook
Know your real margins
A done-for-you Excel workbook that calculates gross margin, net margin, and break-even per enterprise. Enter your numbers once — the formulas do the rest. Built for row crop, cattle, and diversified operations.
$27
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Tier 2
Cash Flow Forecaster
See the year before it happens
A 12-month cash flow projection model pre-loaded with ag-specific income and expense categories. Stress-test a dry year, a price drop, or a new loan before committing — not after.
$47
Get Forecaster →
Tier 3 — Best Value
Ag Financial Intelligence Bundle
The complete toolkit
Everything in Tier 1 & 2, plus an enterprise comparison dashboard, lender-ready ratio calculator, and a 5-year financial summary template. Built for operators who need bank-ready numbers — or just want the whole picture.
$97
Get Bundle →

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.

Pro Tools
★ Field CFO
Field CFO — Farm Financial Analysis Service
Advisory engagement
Field CFO is the financial analysis framework I use in my advisory practice. I convert your Schedule F into accrual-basis management accounting — inventory adjustments, enterprise profitability, DSCR analysis, and a prioritized action plan. I do the analysis for you.
Learn More →

Not sure where to start?

Run the free Schedule F Decoder first. It takes 5 minutes and you'll walk away with a clear picture of where your operation stands.

Decode Your Schedule F — Free