Get your Business Health Score, your Subscription Creep total, and your True Cost number — free, in under 3 minutes. No bank connection. No private data stored.
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75%of owners say finances are their #1 stress
41%of business owners have no life insurance
$1,200+lost annually to forgotten subscriptions
Business Pulse by Zoe Academy
Step 1 of 520%
Step 1 of 5 · Revenue
What is your average monthly revenue?
A rough range is fine. No exact numbers needed.
Step 2 of 5 · Cash Flow
How do you feel about your cash flow right now?
Be honest. This stays in your browser.
Step 3 of 5 · Subscription Creep
List your monthly tools and what you pay
Add up to 10. Be honest about when you last used each one.
Step 4 of 5 · Protection
Which of these do you currently have in place?
Select all that apply.
Step 5 of 5 · Your Stage
How long have you been running your business?
This shapes your score and your insights.
Where should we send your report?
Enter your name and email to receive your full Business Health Report. Or skip to see your results on screen now.
Your information is never sold or shared. You can unsubscribe at any time.
Business Pulse by Zoe Academy
Your Business Health Score
0/ 100
Subscription Creep Report
Monthly Tool Spend
Protection Score
What You Have In Place
Your Protection Gap
Estimated Annual Exposure
Action Needed
Today's Quiet Cost Insights
Your score is based on what you told us.
Your real number is probably higher.
Answer 6 more questions. We'll calculate your tax overpayment, the true cost of your debt, your education spend exposure, and what those dollars could have done over 10 years.
Your True Cost This Year
$0
Tax Overpayment Estimate
What a Financial Strategy Could Have Sheltered
High Impact
True Cost of Business Debt
Interest Paid on Credit and Loans
Quiet Drain
Education Spend Exposure
Courses, Coaching and Masterminds
Unprotected
10-Year Projection
What Your True Cost Could Become
Compounding Loss
Your numbers say it's time to talk.
A free Protection Review with Zoe Agency takes 30 minutes and shows you exactly what your business needs — and what it doesn't.
No pressure. No pitch. Just clarity on where you stand.
Important: The figures shown in this assessment are estimates based on your self-reported inputs and national averages. They are for educational purposes only and do not constitute financial, tax, or insurance advice. Products and features vary by carrier and state. Speak with a licensed agent for details specific to your situation. Results are not a guarantee of savings, earnings, or outcomes. This tool is provided free by Zoe Academy as a public financial education resource.
Business Pulse Deep Dive
Step 1 of 617%
Deep Dive · Step 1 of 6 · Taxes
Roughly how much did you pay in federal income taxes last year?
Include self-employment tax if applicable. Estimate is fine.
Deep Dive · Step 2 of 6 · Structure
How is your business structured?
This affects which financial strategies apply to you.
Deep Dive · Step 3 of 6 · Debt
How much interest did you pay on business credit or loans last year?
Include credit cards used for ads, inventory, operations, or business loans.
Deep Dive · Step 4 of 6 · Education
How much have you invested in courses, coaching, or masterminds in the past 12 months?
Include any programs, retreats, or mentorship fees.
Deep Dive · Step 5 of 6 · Family
Who depends on your income?
Select all that apply.
Deep Dive · Step 6 of 6 · Your Window
What is your age range?
This affects your insurability window and the urgency of your protection gap.