Prospera — The Profitable Owner Planner

Step 1 of 4

Your business today

The numbers as they actually are this quarter. Round if you need to — the model is robust to estimates.

Annual revenue*

$

In NZD, gross of expenses

Team size including you*

Headcount, full-time equivalent

Your hours per week*

hrs

What you actually work, not what you bill

Your effective hourly rate*

$ per hour

What an hour of your time is worth on revenue work

Your personal take-home this year*

$

Salary, dividends, drawings — the cash you actually keep

Business type

Used to benchmark against peers

Please complete the five required fields before continuing.

Step 2 of 4

Where your time goes

Tick the tasks you personally spend time on each week and estimate the hours. The model recovers a conservative portion of these — it does not assume miracles.

Select at least three time drains so the model has enough signal.

Step 3 of 4

Your AI starting point

Honestly. The model penalises overconfidence — most "power users" have a few favourite chats and call it transformation.

Where is your team on AI today?*

i

None

Not using AI tools at all

ii

Dabbling

Used ChatGPT a few times

iii

Regular

Use AI weekly, no system

iv

Embedded

AI in core workflows

Have you tried implementing AI before?

Could the business run for 2 weeks without you?

Please select your AI maturity level.

Your business plan assessment

Here's the gap between where you are and where you could be

Based on your inputs, the model projects this 12-month delta. The numbers are conservative — recovery factor is 50%, not 100%, and wealth gap closure assumes only half the available correction in year one.

Hours / week recovered

—

Conservatively recoverable from current time drains

Annual value of time

$—

Recovered hours × your hourly rate × 52 weeks

Wealth gap (annual)

$—

Distance between your current take-home and the benchmark for your tier

Audit ROI multiple

—x

Payback in approximately — weeks

Your twelve-month trajectory

Two paths plotted on the same axis. The status quo line assumes nothing changes. The Prospera line layers in recovered time and 50% wealth gap closure. Both projections hold revenue constant — the upside is in capacity and take-home, not topline growth.

Now Month 3 Month 6 Month 9 Month 12

Status quo path — no change

Prospera path — recovered time + 50% wealth correction

Three patterns the model detected

Pattern I — Owner dependency

—

Dependency score— / 100

—

Pattern II — AI readiness

—

Readiness score— / 100

—

Pattern III — Wealth efficiency

—

Take-home efficiency—%

—

"This projection is the floor — not the ceiling. The audit identifies which moves compound first, and which to defer."

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Test your business plan against a future where AI is working for you