What to charge. What to set aside for tax. How many months the cash lasts. Where every incoming dollar goes. The Operator Kit answers all four in your browser, in about ten minutes, with your real figures instead of someone else's rules of thumb.
When you work for yourself nobody withholds your tax, sets your rate, or warns you the runway is short. Most operators find these things out the expensive way. The kit exists so you find them out in an afternoon instead.
Works backward from the income you want to the rate you must charge, after overheads, tax, and the days you will actually bill. Most people who run it discover their current rate quietly pays them less than a salary would.
Tells you exactly how much of each month's revenue to move into a separate account so the tax bill is boring when it lands. One number, updated whenever your revenue changes.
Shows the month the money runs out and how far you are from a proper six-month buffer, so a slow quarter is a plan and not a panic.
Give every incoming payment a job before you can spend it: owner pay, tax, operating costs, and profit that stays put. Set your percentages once, then run each month's revenue through it.
Checkout is handled by Stripe and your statement will read MONEYMECHS. Your subscription is $98 per month and renews automatically each month until you cancel; cancel anytime from the billing portal and you keep access until the end of the month you already paid for. The kit is an educational tool for planning your own numbers. It is not tax, accounting, or financial advice, and tax rules differ by country; confirm your actual obligations with a qualified accountant where you live. Full cancellation and refund terms are in the policy below.
It starts with "cs_" and sits in the email you received after payment. If you just finished checkout, the kit opens on its own.
Be honest with billable days. Between selling, admin, holidays, and sick days, most solo operators bill 150 to 200 days a year, not 260. The rate only protects you if the day count is real. All money fields are in whatever currency you earn in.
This is the floor, not the ask. Quote below it and you are subsidizing your clients with your savings. Price above it for value whenever the work allows.
Use the effective rate from your last filed return, or your accountant's estimate. When in doubt, round up; a refund from your own tax account is a nicer surprise than a shortfall.
Transfer it to a separate account the day the invoice is paid. Money you can see in the main account has a way of getting spent.
Committed income means signed contracts and retainers only. Pipeline, proposals, and "should close soon" do not pay rent and do not belong in this field.
Under three months of runway means the next decision is about revenue or costs, not comfort. Over six and you can afford to say no to bad clients, which is the entire point of the buffer.
The percentages must total 100. Start with these defaults, then adjust to your reality over two or three months. The profit reserve is the one people skip, and the one that eventually buys them options.
Four transfers, once a month, in this order. The whole system is twenty minutes of admin that replaces a year of wondering where the money went.
Last updated 13 July 2026
These terms cover your use of this website and the Operator Kit, a subscription service sold by Nyame & Co LLC, a Wyoming limited liability company with its registered office at 30 N Gould St, Sheridan, WY 82801, United States ("we", "us"). Subscribing to or using the kit means you accept them.
Your subscription grants a personal, non-transferable license for one person to use the four modules hosted on this site for as long as your subscription remains active. Do not share your access code, resell access, or republish the modules or their code. Codes showing shared or automated use may be suspended; if we get that wrong, email us and we will fix it.
The Operator Kit is billed as a recurring subscription of $98 per month in US dollars, charged to your payment method by Stripe. Your subscription renews automatically at the start of each monthly period until you cancel. You can cancel at any time from the Stripe billing portal linked in your receipt and confirmation emails, or by emailing support@moneymechs.com. When you cancel, your subscription stays active until the end of the month you have already paid for, and you are not charged again. We will give reasonable advance notice of any change to the price, and a price change never applies to a month you have already been billed for.
The kit does arithmetic on numbers you provide. It does not know your jurisdiction, your filing status, or your circumstances, and its output is not tax, accounting, legal, or financial advice. Tax rules vary by country and change often. Confirm your actual obligations with a qualified accountant before acting on anything the kit shows you.
We improve the modules over time and aim to keep the site available continuously, but we do not promise uninterrupted access. If we ever retire the product, we will give active subscribers reasonable notice and stop billing them.
To the fullest extent the law allows, our total liability for anything connected to the kit is capped at what you paid for it, and we are not responsible for indirect losses, including tax penalties or business losses arising from decisions you made.
Wyoming, United States. Questions to support@moneymechs.com.
Last updated 13 July 2026
The numbers you type into the modules never leave your browser. We cannot see your revenue, your tax rate, or your runway, and we built it that way on purpose.
When you subscribe, Stripe processes your payment and shares your name, email, and subscription record with us so we can deliver your access code, keep your access in step with your subscription status, and honor cancellations and refunds. That is the extent of it.
We use Resend to deliver your access code and receipts. We may occasionally email customers about meaningful updates to the kit. Unsubscribe links are in every message and we do not sell or rent addresses to anyone.
Stripe for payments, Resend for email, Netlify for hosting. Each keeps standard operational logs under its own privacy policy. This site sets no advertising or analytics cookies; one item is stored in your browser after purchase so the kit stays unlocked between visits.
Email support@moneymechs.com to see, correct, or delete the personal data we hold about you. We keep purchase records for as long as tax law requires and nothing longer than it needs to be kept.
Last updated 13 July 2026
Instant and digital. Checkout returns you to this page with the kit unlocked, and your access code lands in your inbox within a few minutes as a backup. Nothing arrives within the hour? Check spam, then email support@moneymechs.com and a human will sort it out.
Cancel anytime from the Stripe billing portal linked in your emails, or by emailing us. Cancellation stops the next charge and keeps your access running until the end of the month you already paid for. There is nothing to return and no cancellation fee.
If the kit is not useful to you, email us within 14 days of your first payment and we will refund that first month in full to your original payment method, normally within 5 to 10 business days depending on your bank.
Because you can cancel before any renewal and see the charge coming, later monthly renewals are generally not refundable once billed. If a renewal charges you after you intended to cancel, or something on our side stops the kit working and we cannot fix it promptly, write to us and we will make it right, refund included. Fair is fair.
The statement descriptor is MONEYMECHS. Write to us before opening a bank dispute; we resolve billing issues faster than the chargeback process does.
