1
Tell us where money comes in and goes out
A short chat builds your checklist: bank, cards, POS, delivery apps, payroll, suppliers, rent.
How it works
Four steps. About as long as a coffee.
2
Upload your statements
PDFs, Excel or CSV exports, even photos of receipts. Summl checks nothing on your list is missing.
3
Get your P&L
Every transaction sorted, transfers and duplicates removed, totals checked against your deposits.
4
Ask about your numbers
"Why is food cost so low?" "What's my labor percentage?" Answers come from your own P&L.
What you get
A real P&L, and what it means.
An example with a fictional restaurant. Yours comes as an Excel file with live formulas, every transaction, and the analysis.
Profit & loss · Jan 1 – Jan 31, 2026
Test Bistro
Revenue$63,013
Net income$15,593
Margin24.7%
| Line | Jan 2026 | % of sales |
|---|---|---|
| In-store & takeout sales | $42,000.00 | 66.7% |
| Delivery: DoorDash & Uber Eats | $21,200.00 | 33.6% |
| Catering, less refunds & comps | −$187.50 | −0.3% |
| Total revenue | $63,012.50 | 100.0% |
| Food & packaging | $6,659.30 | 10.6% |
| Wages & payroll taxes | $26,120.00 | 41.5% |
| Prime cost | $32,779.30 | 52.0% |
| Rent, fees, utilities & other | $14,640.11 | 23.2% |
| Net income | $15,593.09 | 24.7% |
Watch out
Food cost is 10.3% of sales, far below the usual 28–35%. Purchases are probably missing: there's no card statement for Jan 17–31.
Biggest cost
Labor is 41.5% of sales, above the typical 25–35%. Comparing schedules with sales by hour is the place to start.
On target
Delivery fees are 21.2% of delivery sales, within the typical 15–30%. POS and delivery payouts match the bank deposits.
Needs your answer
A $1,850 loan payment: the interest part is an expense. Upload the loan statement and the P&L updates.
Works with what you have
No new software. No bank logins.
Download the statements and reports you already get, and upload them. PDF, Excel, CSV, Word or photos.
Bank statementsCredit card statements
Square, Toast, Clover reportsDoorDash, Uber Eats, Grubhub
Gusto, ADP payrollSupplier invoices
ReceiptsRent & utility bills
Know your numbers.
Ask Summl about your restaurant, and be one of the first to try it.
Ask a question