Financial Copilot

Beta Zero — Libby's Live Financial Engine

Your Sunday Snapshot

March 30, 2025
Your January bookings ($330k) already hit mid-March — $6,668 net. Combined with your base, you had $10,868 this month against ~$5,200 burn. $5,668 surplus.

But heads up: February was light ($154k). Your April check is only $3,112. Total April cash: $7,312. Cushion drops to $2,112. It's your thinnest month this year.

Don't panic — March is closing at $370k. That's $7,470 net hitting mid-May. You're back to fat.
⚡ Recommendation: You have $20k idle in checking. Hold $3k as your April buffer. Move $17k to HYSA (4.5%+). Revisit FBCG after May commission lands and the market gives you a clearer signal.
YTD Bookings
$1.23M
Dec — Mar
Quota Attainment
47.3%
4 months in
To Accelerator
$1.37M
$171k/mo pace needed
Idle Cash
$20,000
Earning $0/month
💰 Cash Flow Calendar
February
$11,766
Base net: $4,200
Commission (Dec books): $7,566
Burn: -$5,200
Surplus: $6,566
Fat Month
March ← You Are Here
$10,868
Base net: $4,200
Commission (Jan books): $6,668
Burn: -$5,200
Surplus: $5,668
Fat Month
April
$7,312
Base net: $4,200
Commission (Feb books): $3,112
Burn: -$5,200
Cushion: $2,112
Thin Month
May
$11,670
Base net: $4,200
Commission (Mar books): $7,470
Burn: -$5,200
Surplus: $6,470
Fat Month
📊 Bookings → Cash Conversion
Month Booked Bookings Gross Comm (3.365%) Net Comm (~60%) Cash Lands Total Cash After Burn
December $374,783 $12,612 $7,566 Mid-Feb $11,766 +$6,566
January $330,284 $11,114 $6,668 Mid-Mar $10,868 +$5,668
February $154,150 $5,187 $3,112 Mid-Apr $7,312 +$2,112
March $370,000 $12,450 $7,470 Mid-May $11,670 +$6,470

🚀 Accelerator Tracker — 2.5x Above 100%

Every dollar booked above $2.6M earns at 8.41% instead of 3.365%. That's $8,410 per $100k instead of $3,365.

47.3%
$1,229,217
YTD Bookings
$1,370,783
Remaining to 100%
$171k/mo
Pace Needed (8 months)

📈 Your current avg: $307k/month. You're tracking nearly 2x above the pace needed. The accelerator isn't a stretch — it's likely.

⚠️ Idle Cash Alert

You have $20,000 in checking earning nothing. Here's what your copilot recommends:

$3,000
Hold in Checking
April buffer — your thin month
$17,000
Move to HYSA
4.5% APY → ~$64/mo vs $0
Revisit May
FBCG Decision
After $7,470 commission lands + market clarity

⚙️ Your Comp Plan

OTE: $175,000
Split: 50/50 Base/Commission
Annual Quota: $2,600,000
Commission Rate: 3.365%
Accelerator: 2.5x above 100%
Accelerated Rate: 8.41%
Payment: Monthly, 45 days arrears
Fiscal Year: Dec — Nov
401k: 15% contribution
Net Base: ~$4,200/month
Monthly Burn: $4,600 — $5,600
Rent: $2,600