Private Business Report
Anna Reyes
Fiction writer · Patreon + Substack + YouTube
Report period
90 days ending Mar 31, 2026
Generated
Apr 2, 2026
Sources included
Patreon + Substack + YouTube
Report type
Combined business diagnostics
Sample — anonymized fictional creator profile
Executive Summary
The shape of your business
Anna Reyes runs a three-platform fiction business generating $4,280/month on average over the last 90 days. Her income is healthier than it looks from any single dashboard — but it is heavily concentrated on Patreon (71%) and losing 42% of its churn from a single tier.
Her top 5% of supporters drive 46% of her revenue, which is both her biggest strength and her biggest fragility. A targeted tier restructure is projected to add ~$770/month without acquiring a single new subscriber.
This report identifies three actions Anna can take in the next 30 days and quantifies what each is worth.
Report at a glance
EarnScore
74 / 100
Platform Concentration
71% on Patreon
Subscriber Churn
42% from $8 tier
Projected Upside
+18% from tier restructure
Advisor Intelligence
What the AI found in your data
These cards are generated fresh for every report — synthesised directly from your uploaded numbers, not pulled from a template.
Substack growth is accelerating while Patreon holds — your foundation is stronger than any single dashboard shows.
Anna runs a three-platform fiction business at $4,280/month with a 74 EarnScore, putting her in the upper third of creators at this revenue tier. The income is recurring, predictable, and growing. The risk isn't the total — it's distribution: 71% concentrated on one platform, and one tier driving 42% of all cancellations.
- Recurring revenue share is 89% — unusually strong for this revenue tier
- Substack posted its sharpest 30-day growth of the period
- The $8 Supporter tier carries the highest churn and the most fixable leverage
Restructuring the $8 tier is worth +$770/month without acquiring a single new subscriber.
287 subscribers sit at 42% annual churn — nearly double the healthy threshold. Most cancel within 60 days. The price point is caught between risk-free and essential. A targeted restructure is projected to recover $770/month in net revenue within 90 days.
- 287 active subscribers currently at the highest-risk price point
- $8 tier churn is 2.3× higher than the $5 Reader tier
- +18% revenue recovery modeled from merge-up or a clearly defined perk refresh
Patreon at 71% concentration is above the threshold where a single policy change becomes a business event.
At 71% revenue concentration, a Patreon fee increase, policy shift, or outage directly affects 71 cents of every dollar. Substack's growth is the natural hedge — accelerating it is the most important strategic move in the next 6 months.
Key Findings
The findings that matter most
These are the specific numbers your report surfaces — not estimates, your real data.
42%
of all churn
42% of your churn is coming from one tier.
The $8 Supporter tier drives nearly half of all cancellations. Most subscribers leave within 60 days of joining.
46%
from top 5%
Your top 5% of supporters drive 46% of revenue.
27 people out of 851 are responsible for almost half your income. They should be treated like clients, not fans.
71%
Patreon share
71% of income depends on one platform.
Patreon concentration is above the 65% risk threshold. One fee structure change could materially impact monthly revenue.
+18%
projected uplift
A tier restructure could lift revenue by 18%.
Replacing the $8 tier with a $12 tier — with one clearly defined benefit — is projected to add ~$520/month within 90 days.
27
key supporters
27 supporters account for nearly half the business.
If Anna's top 5% disappeared tomorrow, she'd lose $5,907/month. This is the number most creators never calculate.
28k
YouTube subs
YouTube is the largest audience, smallest revenue.
28,000 subscribers, $1,034 in revenue. A 0.5% conversion to Substack would add roughly 140 new paying subscribers.
74
EarnScore
EarnScore: 74 / 100 — Strong.
89% of revenue is recurring with low variance. The foundation is solid — the risk is in distribution, not volume.
89%
recurring
89% of revenue is recurring subscription income.
A strong recurring base means the business isn't fragile by nature. Platform concentration and one bad tier put it at risk.
Revenue Overview
Where your money is coming from
Total revenue, last 90 days
$12,843
Patreon
$9,119
71% of total
Stable upward
Substack
$2,690
21% of total
Sharp growth last 30d
YouTube (ads)
$1,034
8% of total
Flat
What this means: Revenue is growing steadily (~14% over the period) but the growth is almost entirely from Substack. Patreon is flat. YouTube ad revenue is negligible and unlikely to matter as an income lever.
EarnScore
How strong is your earning foundation?
EarnScore
Above average for creators at this revenue tier.
What's driving the score
Revenue consistency
82/100Low month-to-month variance
Recurring revenue share
89/100Strong — most income is subscription-based
Payer diversity
54/100Concentrated in top tier supporters
Platform balance
41/100Over-reliant on Patreon
What this means: Anna has the core of a resilient business — predictable, recurring income. The weakness is not the income itself; it's how narrowly it is distributed across platforms and tiers.
Platform Concentration
The platform concentration problem
Under 50% on any one platform
Safe50–65% on one platform
WatchOver 65% on one platform
You are hereOver 80% on one platform
High riskWhy this matters: Patreon has changed its fee structure three times in the last four years. A creator with 71% of income on one platform doesn't have a business — they have a tenant relationship. Anna's most important growth goal isn't “more revenue” — it's moving the concentration number below 60%.
Subscriber Health
Who is actually paying you?
Tier
Price
Subs
Revenue
Churn
Status
Reader
$5
412
23%
18%
HealthySupporter
$8
287
32%
42%
ProblemInsider
$15
94
22%
12%
HealthyPatron
$25
58
23%
7%
StrongChurn timing — $8 Supporter tier
Month of membership when cancellation occurs
What this means: The $8 tier attracts people who aren't quite sure what they're buying. They sign up, stay two months, and leave. The tier is doing volume but not holding retention. The fix is almost never “reduce churn” — it's “change who the tier attracts.”
Revenue Concentration
The 5% that matters
46%
of revenue comes from the top 5% of supporters — just 27 people out of 851 total.
Revenue distribution (Lorenz curve)
What this means: If the 27 people in Anna's top 5% disappeared tomorrow, she would lose $5,907/month. This is the number most creators never calculate. It isn't a reason to panic — it's a reason to treat those 27 people like clients, not fans.
Growth Momentum
What's actually working right now
Fastest-growing channel
Substack
+48% MoM over last 60 days
Substack growth is being driven by a single essay that crossed over to a new audience. Investigate whether the topic is replicable.
Stagnant channel
Patreon
Flat ±2% for 90 days
Patreon's top of funnel has stopped delivering new Reader-tier supporters. This is the leading indicator of future revenue decline — worth addressing before revenue actually drops.
Underused asset
YouTube
28k subscribers · $1,034 revenue
YouTube is Anna's largest audience but smallest revenue source. The platform isn't the problem — the lack of a conversion path from YouTube to Substack or Patreon is.
Assessment
What's solid and what's fragile
Strengths
Recurring revenue base
89/100 recurring share — most income is subscription-based and predictable month over month.
Retention at higher tiers
$15 and $25 tiers have under 12% churn. Anna has a loyal core that already sees the value.
Substack growth trajectory
Doubling roughly every 90 days. The newsletter is becoming a real second income pillar.
Risks
Platform concentration at 71% Patreon
One platform policy change, fee hike, or algorithm shift can materially damage revenue overnight.
$8 tier churn cliff at 42%
The tier does volume but destroys value. It accounts for a disproportionate share of all cancellations.
No conversion path from YouTube
Largest audience, smallest revenue. Zero funnel from 28k subscribers to any paid product.
Opportunities
What you could be earning
Total projected upside: +$950/month (+18%) — with only the first being low-effort.
01
Restructure the $8 tier
+$520/mo
Difficulty
Timeline
30 days
Replace the $8 tier with a $12 tier offering one defined benefit. Retention at the $12 price point in peer creators averages 74% vs 58% at $8.
02
Add a $40 top tier
+$250/mo
Difficulty
Timeline
45 days
Top 5% already drives 46% of revenue. A small portion of the $25 tier (estimated 8–12 supporters) would upgrade for even modest added value.
03
YouTube → Substack funnel
+$180/mo
Difficulty
Timeline
60 days
Even a 0.5% conversion rate from YouTube subscribers would deliver ~140 new Substack subscribers. Current rate is effectively 0%.
Action Plan
What to do in the next 30 days
01
Close signups to the $8 tier this week.
Keep existing supporters grandfathered. Open a new $12 tier with a clearly defined benefit — monthly mailbag, early chapter access.
02
Identify and contact your top 27 supporters individually.
Not a mass email — personalized. Ask what they want more of. This is market research and loyalty-building in one move.
03
Add one Substack signup link to every YouTube video description and pinned comment.
Simplest possible funnel. Revisit in 60 days.
Methodology & Data
How this report was built
Data sources
- Patreon export (CSV, members + earnings)
- Substack export (CSV, subscribers)
- YouTube Studio export (CSV, revenue + subscribers)
- Report period: 90 days ending Mar 31, 2026
What we calculate
- Revenue stability from month-over-month variance
- Churn segmented by tier, cohort, and timing
- Concentration using Gini-style supporter distribution
- Platform mix from normalized net revenue
Privacy
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This sample report uses a fictional creator profile. Real reports are built exclusively from your own uploaded data.