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Trades exit tools

Owner Add-Back Normalizer

Which add-backs will a buyer credit—and which need a paper trail?

Example numbers. Replace with yours.

Inputs

Reported profit and adjustments

$

Bottom line before normalization.

×

From Business Worth, or enter yours.

Tier 1 Owner salary
$

Payroll register and tax return.

Tier 1 Owner payroll taxes
$

Payroll tax reports.

Tier 1 Depreciation & amortization
$

Tax return or fixed-asset schedule.

Tier 1 Interest expense
$

Debt statements.

Tier 1 Owner health insurance
$

Insurance statements.

Tier 2 Personal vehicle
$

Mileage or usage support.

Tier 2 Personal phone / internet
$

Statements showing the personal share.

Tier 2 Personal travel / meals
$

Receipts and business/personal split.

Tier 2 Family member on payroll, not working
$

Role description and payroll register.

Tier 2 One-time legal / settlement
$

Invoices and proof the matter is resolved.

Tier 2 One-time equipment repair
$

Repair invoices and maintenance history.

Tier 2 Above-market related-party rent (excess)
$

Market lease comparison.

Tier 2 Non-recurring revenue (enter negative)
$

Customer invoice and explanation.

Tier 3 Meals & entertainment
$

Receipts; buyers often treat this as recurring.

Tier 3 Discretionary staff bonuses
$

Bonus policy and payroll history.

Tier 3 "Consulting" to relatives
$

Contract and proof of services.

Tier 3 Deferred maintenance you'd "save"
$

Maintenance plan; buyers may add cost instead.

Turn the estimate into an operating plan

A calculator can flag the question. A CFO model can account for the timing, risks, and decisions unique to your business.

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