For handmade, beauty & small product businesses

You're making sales.
So where's the money?

You could tell me what you sold last month. Could you tell me what you kept on your bestseller — after materials, your own time, packaging, shipping, fees, and the batch you threw away?

Most people guess. That guess is why a good month still ends with nothing in the bank.

Or see all five systems — including the complete library at $347.

Hand-poured candle · per unit $28.00
Wax, wick, fragrance, jarMaterials−$6.40
Label, box, tissuePackaging−$2.10
25 minutes at $22/hrYour own labour−$9.17
Platform & payment, 8.5%Fees−$2.38
Free shippingAbsorbed−$4.50
Breakage & failed batchesWaste−$0.26
What she actually keeps$3.20
Margin11.4%

To take home $2,000 a month, she needs to sell 625 candles — 21 a day, every day, before rent, tools, insurance or a single dollar of advertising. She isn't lazy. She's underpriced — and until she does this, she has no way of knowing.

11costs most creative sellers never count
67%more units you must sell after a 20% off sale, at a 50% margin
6 brandsbuilt by hand — and every mistake in here made in one of them
The real problem

It isn't discipline.
It's information.

You've been told you need better marketing. More content. A bigger audience.

But more traffic to an underpriced product just loses money faster. If your margin is thin, growth doesn't fix it — growth scales it. This is exactly why hardworking, well-liked, growing businesses quietly run out of money.

The problem was never effort or demand. It was the arithmetic underneath every single order.

The system

Six modules. Three working spreadsheets. One 90-day plan.

A focused weekend gets you through the core. The 90-day plan then spreads the implementation over twelve weeks, twenty minutes at a time — because I'd rather you finish it than admire it.

Module one

The Truth Sheet

Your real cost per unit, including the eleven costs almost everyone leaves out. Ends with a straight verdict on whether you're profitable.

Module two

Pricing Without Apologising

Four pricing models and which fits you. A price floor you can defend. And exactly what a discount costs.

Module three

Cash Flow & Paying Yourself

Twelve months forward, the inventory trap, a tax reserve system, and owner pay that isn't "whatever's left".

Module four

Bankable

The five things every lender weighs, why applications get declined, and the one-page summary structured the way they read it.

Module five

Decisions, Not Guesses

Keep, fix or kill across your range. Score a product before you make it. Know what you can afford to spend on ads.

Module six

The 90-Day Money Reset

One task a week, twenty minutes each, in order. The part that actually changes the business.

PDFStart HereHow to use everything, and in what order3 pages
PDFThe Bankable WorkbookAll six modules, plus the money glossary, supplier scripts and quarterly review28 pages
XLSXPricing CalculatorTrue costs · price floor · discount damage · break-even5 tabs
XLSXCash Flow Forecaster12-month forecast · inventory tracker · owner pay & tax reserve4 tabs
XLSXProduct DecisionsKeep, fix or kill · new product scorecard · ad spend limits4 tabs
PDFThe 90-Day Money ResetPrintable. One task a week for twelve weeks6 pages

Every spreadsheet is pre-built — you type in your numbers, it does the arithmetic. Excel files open directly in Google Sheets.

Free · no email needed

What does your last sale actually cost you?

This is one tab from inside the Pricing Calculator. Put your own numbers in.

50.0%Margin before
37.5%Margin after
+67%Extra units needed to earn the same money

Your revenue falls 20%. Your profit falls 40%. Same packing, same shipping, same late nights — for the profit you already had before the sale started.

The fix isn't never discounting. It's knowing this number before you decide, so a discount is a strategy instead of a reflex.

Why trust this

Built on my own businesses first.

Every calculator here was made because I needed it. The pricing floor, the inventory tracker, the keep-fix-kill audit — all of it runs my own stores before it reaches you.

Canadian Choice AwardWinner, 2024 and 2025
Cambridge Chamber of CommerceMember
Six brandsBeauty, home, pets, children's media, coffee and fine art
Road-tested, not theorisedEvery calculator here fixed a real problem in one of my stores first
Founding buyers

This is new, and I am not going to pretend otherwise.

Bankable launched recently, so there is no wall of reviews here yet. I would rather tell you that than fill this page with quotes you have no way to check.

What there is instead: a full 14-day refund, no questions and no friction, and a standing offer — work through it, send me what did and did not land, and I will fix it. Founding buyers shape version two and keep every update free, permanently.

Get it

Bankable

The complete system. Yours permanently, including future updates.

For most people reading this, one corrected price on one product pays for it inside a week.

This is for you if

  • You're selling, but you can't say what you're earning
  • You've priced by looking at what other people charge
  • Your money keeps ending up as inventory
  • You've thought about funding and had no idea where to start

It isn't for you if

  • You want a done-for-you bookkeeping service
  • You haven't sold anything yet — start selling, then come back
  • You need personalised tax or investment advice
$97one payment
  • 28-page Bankable Workbook
  • Pricing Calculator — 5 working tabs
  • Cash Flow Forecaster — 4 working tabs
  • Product Decisions — 4 working tabs
  • Printable 90-Day Money Reset
  • Money glossary, supplier scripts & quarterly review
  • Free updates, permanently
Get Bankable — $97
The 14-day promise Work through Module 1 and fill in your real numbers. If you don't learn something that changes a decision you were about to make, email me within 14 days for a full refund. No friction.

Instant download · six files · nothing is shipped

Start free

The 15-Minute Profit Diagnostic

Five short checks — one real calculation and four honest questions — ending in a straight verdict on where your business actually stands.

  • The One Product Test — your true margin on your bestseller
  • The Hidden Cost Check — 11 expenses that quietly eat creative businesses
  • The Money Location Test — where your cash actually is right now
  • The Owner Pay Test — what you're really paying yourself per hour
  • The Lender's Six Questions — how financeable you'd look today

Send me the diagnostic

Free, 11-page PDF. No card. Unsubscribe whenever you like.

Roughly six in ten people who fill this in score under 20 out of 41. If that's you, you're not behind — you're finally looking.

The full library

Five systems. Buy one, or take the lot.

Each one is a complete, self-contained toolkit — written guides plus working spreadsheets, delivered as an instant download. Nothing is a subscription and nothing expires.

01 · Money

Bankable

The numbers system. Know what you earn, what to charge, and what a lender would say.

3 × PDF3 × XLSX37 PAGES
  • True cost calculator, price floor and discount damage
  • 12-month cash flow forecaster and inventory tracker
  • The lender's playbook and one-page business summary
  • Printable 90-day implementation plan
$97 Buy
02 · Listings

The AI Listing Engine

One product photo in, a full listing out. A five-step chain, not a pile of prompts.

2 × PDF1 × XLSX18 PAGES
  • The five-link chain: look, position, write, find, sell
  • Tuned separately for Shopify, Etsy and Amazon
  • 50-prompt library, plus a brand voice trainer
  • Batch runner for doing fifty products in one sitting
$67 Buy
03 · Storefront

Shopify Conversion Rescue Kit

For stores with traffic and no sales. A 60-point audit, in the order that matters.

2 × PDF1 × XLSX14 PAGES
  • Availability first — the faults that make a sale impossible
  • Product data QA sheet that flags unsellable items
  • Fix priority scorer: impact against effort, ranked
  • Six fill-in listing copy structures
$67 Buy
04 · Operations

The Solo Brand Stack

Run several brands as one person, without dropping any. The system behind six of mine.

2 × PDF1 × XLSX18 PAGES
  • One pipeline across every brand, with a work-in-progress limit
  • Thirteen-week shared calendar that flags collisions
  • Supplier tracker for negotiating on combined volume
  • Fifteen written procedures, ready to follow
$197 Buy
05 · Positioning

Handmade to Premium

Getting your work out of the price war, without changing what you make.

2 × PDF1 × XLSX13 PAGES
  • The six signals that make a price read as earned
  • Ten photography setups using a phone and a window
  • Etsy SEO workbook — titles, 13 tags, the overlap rule
  • Bundle builder that raises order value without discounting
$77 Buy

The Complete Library

All five systems. Eighteen files — nine guides and workbooks, five working spreadsheets, two printable planners. Free updates, permanently.

$505 bought separately $347

Every product is an instant download. PDFs open anywhere; spreadsheets are Excel files that open directly in Google Sheets, Numbers or LibreOffice. Same 14-day promise on all of them.

Who wrote this

Dipannyta Verma

I didn't learn any of this from a textbook. I learned it by getting it wrong, repeatedly, across six businesses of my own — in beauty, home, pets, children's media, coffee and fine art.

I priced my first products by looking at what other people charged. I absorbed shipping to stay competitive without ever working out what it cost me. For two years I didn't count my own time at all — which meant my most popular product was quietly my least profitable one, and I had no idea.

I built a storefront, drove traffic to it, and watched almost nothing sell. I spent weeks blaming my marketing before finding that several products were showing as sold out while the stock sat in the back room.

I carried inventory I couldn't shift because I'd ordered on optimism. I ran sales that felt generous and left me worse off. I paid myself last, and often not at all, and told myself that was what building looked like.

Every calculator in Bankable exists because I needed it and couldn't find it. Each one answers a question that had already cost me money.

My most popular product was quietly my least profitable one — and I had no idea.

Founder, the NVDC family of brands · Canadian Choice Award 2024 & 2025 · Member, Cambridge Chamber of Commerce

Questions

I'm terrible with numbers.

That's who this was built for. Every spreadsheet is pre-built — you type in your figures and it does the arithmetic. There's no jargon and no assumed knowledge.

Does this work outside Canada?

Yes. The frameworks are universal. Tax and lending notes cover Canada and the US separately, and the underlying principles hold anywhere.

Is this bookkeeping software?

No. Software records what already happened. This tells you what to do about it.

How long does it take?

A focused weekend for the core. The 90-Day Reset then spreads implementation over twelve weeks, twenty minutes at a time.

Do I still need an accountant?

Yes — and this will make that relationship far more useful. You'll arrive with clean numbers and better questions.

Should I buy one, or the whole library?

Start with the one that matches your actual bottleneck. If you can't say what you earn per product, that's Bankable. If you have traffic and no sales, that's the Rescue Kit. Buy the library only if you already know you need three or more — otherwise you'll own things you don't get to.

What exactly do I get, and how?

Six files, delivered instantly as a download: two PDF guides, three Excel workbooks and one printable planner. The Excel files open directly in Google Sheets.

You didn't start this to build a hobby that costs you money.

You started it because you can make something people want. You can. Your numbers just haven't caught up with your talent yet — and that's a two-day problem.