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// FINANCIALS

ModernGrindTech

The waterfall.
From the books.

Every month, gross revenue gets split across infra, AI tooling, SaaS fees, tax reserve, reinvestment, and take-home. The numbers below are what actually hits the bank, not the marketing math.

Gross

$4,850

Total Costs

$1,612

Reinvested

$600

Take-Home

$2,638

// WATERFALL — APR 2026

$4,850Gross Revenue$142Infra (Vercel,…$128AI tooling…$92SaaS (Stripe…$38Hosting (CDN,…$1,212Tax +…$600Reinvested$2,638Take-Home

// COST DETAIL

Infra (Vercel, Neon, Cloudflare, DO)$142
AI tooling (Claude Max, Cursor, OpenAI)$128
SaaS (Stripe fees, Postmark, Sentry)$92
Hosting (CDN, image optimization)$38
Tax + accounting reserve (25%)$1,212
Total costs$1,612

// WHY THIS PAGE EXISTS

Most studios show you the deal. This shows you the operating budget.

Pricing pages say what a project costs. They never tell you what the studio takes home, what gets reinvested, or how the underlying business actually works. That gap is where buyer confusion and trust loss happen, especially when a $5k invoice looks expensive without context.

The waterfall above is what hits the MGT bank account each month and where it goes. Infra and AI tooling stay flat regardless of revenue. Tax reserve scales linearly. Reinvestment is the line that builds new tools (the X engine, the cron platform, this website). Take-home is what is left.

Numbers are updated on the first of each month from the actual books. If you want the back-of-the-envelope per-tier breakdown instead, the sibling /pricing-honesty page goes through the tiered cost-line math. This page is the operating side.