Upload one month of bank, card, or merchant statements—or enter recurring lines yourself. Review what the reader found, then see five owner-actionable checks and what may be worth investigating next.
Upload one statement month or enter recurring lines yourself. Review five checks and what may be worth investigating next.
Free — no account No identity needed to run the checks Never patient data Files not stored by Marginr
What ten minutes buys you
The free check isn't a teaser or a trial. It applies five transparent checks to statement lines you review and shows which figures still need source evidence.
Why free? The check runs on the same engine that powers the Full Margin Audit. If you ever want the numbers read by hand, you'll know where to find us.
How the walkthrough works
Use business-only bank, card, or merchant statements from the same representative month. Missing one? You can still continue.
Upload up to five PDF or CSV files, or enter recurring lines manually. The same five-check engine handles both paths.
Confirm recurring lines, merchant totals, and possible duplicates. Nothing enters the calculation until you review it.
See what looks worth investigating, the assumptions used, and which source evidence should come next.
The engine
Paul-Matthieu Castro
The person behind the engine
Paul-Matthieu ran his own marketing agency for three years, reading P&Ls, chasing cost leaks and defending margins, before joining Raiffeisen Bank International's corporate & investment bank in Vienna, where he worked on large corporate financing mandates. Now completing a Master's in Management and Finance at emlyon, he built Marginr so independent dental groups can read their numbers the way a bank would. Source figures come first; every working comparison is labelled, and the paid audit is read by hand.
emlyon business schoolMaster's in Management and Finance
Raiffeisen Bank InternationalCorporate & investment banking
AdVanguardFounder & CEO, 2022–2025
The five checks
The partition rules, formulas, and evidence limits are public. Each recurring line enters one check only, and every judgment parameter is labelled.
Recognised discretionary services that may justify consolidation, cancellation, or a pricing conversation.
Recurring statement lines the owner cannot yet identify, separated for follow-up rather than assumed removable.
Fees divided by stated gross processed sales, with a clearly labelled fallback when only deposits are available.
Overlapping services or accounts count only after the owner confirms that the pair is genuinely duplicated.
Recurring loan and lease payments surfaced for a payoff, rate, and term review—not treated as cancellable spend.
The useful answer starts with a consistent definition, your own records and an honest evidence limit.
Compare each location on the same definitions, check group-level shared costs, then review merchant fees, labs, supplies, recurring charges, collections and aged receivables. Verify each promising gap against the source document before changing suppliers, adding revenue or touching headcount.
Use one period and one scope. Divide operating costs by collections to calculate overhead; the remaining share is operating margin under that definition. State clearly whether owner pay, debt, tax and one-time costs are included before comparing the figure.
First separate adjusted production from cash collected. Then inspect write-offs, timing, payer and patient balances, and the age of receivables using the relevant practice-management reports. Marginr treats this as a document-led check rather than inventing a savings number.
Yes. Marginr's free check screens five owner-actionable areas in about 10 minutes. You can upload business-only PDF or CSV statements, or enter recurring lines manually, without an account or practice identity. Do not submit patient data.