You made money from multiple places last month. You have no idea what you actually kept. Vestly shows you your real profit — across every income source, every month, automatically.
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Every platform shows you revenue. None of them subtract platform fees. None of them account for expenses. None of them tell you what you actually kept.
The person who made $8,400 last month across four platforms has no idea their real take-home was $5,100 — until they open a spreadsheet they abandoned three months ago.
Vestly is what fills that gap. One dashboard, every income source, real profit — automatically.
Every month, Vestly Intelligence sends your financial data to our AI engine and returns a specific, actionable analysis written from your actual numbers. Not a template. Not generic advice.
Every Vestly Intelligence subscriber fills out a short financial profile — business structure, industry, state, and goal. Vestly uses this context to generate insights that speak directly to your situation — not a generic template built for someone else.
An S-Corp owner in Texas scaling a consulting practice gets different advice than a sole proprietor in California running an e-commerce store. Both use the same Vestly. Both get analysis that fits their reality.
You do not have to wait for integrations to get started. Vestly gives you three ways to get your financial data in — starting today.
I was tracking revenue in three separate spreadsheets and still had no idea what I actually netted. Vestly showed me I was netting $1,100 less than I thought every month. That number changed how I priced my next project.
I have a W-2 job and three side income streams. Every year I got hit with a tax bill I wasn't ready for. The YTD projection in Vestly is the first time I've felt ahead of it instead of behind it.
QuickBooks was overkill for what I do. Vestly is exactly the right size. I connect my data, I see my profit, and the monthly AI report catches things I would have missed for months. Worth it for that alone.
Every report Vestly generates is built from your data — not templates, not guesses. Here's what a real Intelligence subscriber sees.
March is tracking as your strongest month of the year — $24,380 in revenue through 18 days puts you on pace for a full-month figure near $42,000, well above your $35,000 monthly target. Your margin of 87% is the best reading since you started tracking, and the expense structure at $3,190 is genuinely lean for an e-commerce operation at this volume.
The concentration picture deserves attention before you scale ad spend further. Shopify at 71% of revenue is approaching the watch threshold. Your Etsy and direct sales channels are real but not yet large enough to absorb a platform disruption. The economics support increasing diversification now — while revenue is strong — rather than after a forced event.
The right posture is controlled confidence. The unit economics are working. The margin structure is a competitive advantage. The Q2 tax liability this month creates is real and should be reserved before anything else is decided.
| Source | Amount | % of Revenue | Flag |
|---|---|---|---|
| Shopify Store Platform / Marketplace | $17,310 | 71% | Watch |
| Etsy Shop Platform / Marketplace | $4,820 | 20% | — |
| Direct / Website Digital Product | $2,250 | 9% | — |
Shopify at 71% is your primary concentration risk. A platform hold or policy flag doesn't slow your business — it stops it. Target routing $3,000–$4,000 of monthly volume through direct channels to bring Shopify below 60% without changing your product or pricing.
| Source | Amount | % of Total | Notes |
|---|---|---|---|
| Shopify Store | $12,520 | 69% | Watch |
| Etsy Shop | $3,840 | 21% | — |
| Direct / Website | $1,780 | 10% | — |
| Category | Amount | % of Total | Notes |
|---|---|---|---|
| Advertising | $2,100 | 52% | Primary growth lever |
| Inventory / COGS | $1,200 | 30% | Variable, scales with revenue |
| Software & Tools | $480 | 12% | Fixed, Shopify + tools |
| Platform Fees | $230 | 6% | Marketplace commissions |
February's $2,100 in advertising generated $18,140 in cash inflows — an implied return of $8.64 per dollar. That's a meaningful drop from January's $11.20 implied ratio, which warrants investigation before increasing spend further.
| Source | Amount | % of Revenue | vs Prior |
|---|---|---|---|
| Shopify Store | $12,520 | 69% | ↓ $1,980 |
| Etsy Shop | $3,840 | 21% | ↑ $210 |
| Direct / Website | $1,780 | 10% | ↑ $40 |
| Category | Amount | % of Revenue | Notes |
|---|---|---|---|
| Advertising | $2,100 | 11.6% | Up from 10.1% in Jan |
| Inventory / COGS | $1,200 | 6.6% | Inline with volume |
| Software & Tools | $480 | 2.6% | Fixed |
| Platform Fees | $230 | 1.3% | Fixed |
| Month | Revenue | Expenses | Net Income | Margin |
|---|---|---|---|---|
| January 2026 | $20,880 | $3,190 | $17,690 | 85% |
| February 2026 | $18,140 | $4,010 | $14,130 | 78% |
February's margin compression from 85% to 78% is driven by two factors: a 13% revenue decline from January combined with a $820 increase in expenses. The expense increase is primarily advertising — which needs to demonstrate a return before being maintained at the higher level.
Q1 2026 was a strong quarter with $63,400 in revenue and $53,020 in net profit — an 84% average margin that reflects a genuinely lean operating model. Revenue grew month-over-month in both January and March, with February's dip attributable to seasonality rather than a structural change in demand.
The concentration picture remains the single most actionable risk in the business. Shopify averaged 70% of revenue across Q1. The business is performing well on every other dimension, which makes this the right time to address diversification — before a forced event creates urgency. Q2 is the quarter to build direct channel volume deliberately.
| Month | Revenue | Expenses | Net Profit | Margin |
|---|---|---|---|---|
| January 2026 | $20,880 | $3,190 | $17,690 | 85% |
| February 2026 | $18,140 | $4,010 | $14,130 | 78% |
| March 2026 | $24,380 | $3,180 | $21,200 | 87% |
| Metric | Q1 Actual | Projected Full Year | Confidence |
|---|---|---|---|
| Revenue | $63,400 | $253,600 | Medium |
| Expenses | $10,380 | $41,520 | Medium |
| Net Profit | $53,020 | $212,080 | Medium |
Q1 annualized (×4). Confidence Medium — 3 months of data. Annual goal: $240,000 — currently projecting $13,600 above target.
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