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Paid tool

What Can I Afford to Lose? Cash Survival Calculator

Your cash, month by month, before you spend it.

NZ$3.95

One-time · NZD

What this is

Enter your real numbers — starting cash, one-off setup costs, monthly fixed overhead, owner pay, variable costs as a percentage of sales, expected sales and growth, plus other costs and a tax buffer — and see a 24-month plan showing opening cash, cash received, every cost line and closing balance, month by month. Break-even sales, monthly burn, estimated runway and the first month your balance drops below zero are calculated for you, across cautious, expected and optimistic sales assumptions.

Not financial advice

This is a planning tool to help you think. It is not accounting, tax, investment or financial advice — for decisions that matter, talk to a professional.

What you get

  • Starting cash and one-off setup costs (charged in month 1)
  • Monthly fixed overhead and a realistic owner draw
  • Variable costs as a percentage of sales
  • Expected sales, growth rate and timing of first revenue
  • Other regular costs plus a contingency or tax buffer
  • A 24-month plan: opening cash, sales, variable costs, overhead, owner pay, other costs and closing cash
  • Break-even sales per month and break-even orders per month
  • Estimated monthly net burn, runway and the first month closing cash falls below zero
  • Cautious, expected and optimistic sales assumptions side by side
  • Print or save your completed plan as a PDF

Secure one-time payment by Stripe. Buy as a guest or with an account — buyers keep access from the My Purchases page.

Start free first

The Reality Check takes 10–15 minutes, costs nothing, and tells you where to look.

Take the free check

What buying does NOT mean

A completed workbook or a tidy forecast is not proof your business will succeed. These tools surface what you haven't proven — that's the point.