Create beginner Works with: Any AI

Cash Reserve Target Calculator

Table output Has example

Decide how much cash buffer to keep.

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Help me set a cash reserve target. Monthly fixed costs: [MONTHLY_FIXED_COSTS]. Monthly variable costs at normal sales: [MONTHLY_VARIABLE_COSTS]. How predictable my income is (very, somewhat, not): [INCOME_PREDICTABILITY]. Customer payment delays: [PAYMENT_DELAYS]. Current cash: [CURRENT_CASH].

Compute reserve targets in months of essential costs for three levels: minimum, comfortable, and resilient, using about 1 to 2, 3, and 6 months as illustrative planning ranges rather than a standard, with amounts from my numbers. Recommend a level based on my predictability and explain why. Compute the gap versus current cash and a savings plan: monthly amount needed to reach the target in 6, 12, and 24 months, showing arithmetic.

Add triggers for using the reserve and for rebuilding it, a note on keeping it in an accessible account, and a review each quarter. This is general planning support, not financial advice [VERIFY with an adviser].

Include a worked example with made-up numbers labelled as an example, a monthly saving table, and a rule for what happens in a month when the saving cannot be made, such as carrying the shortfall rather than abandoning the plan.

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Monthly fixed costs 6,200; variable costs at normal sales 3,800; essential monthly costs 6,200 + 3,800 x 0.5 (half the variable costs are discretionary) = 8,100. Income predictability: somewhat.
Illustrative targets: minimum 2 months = 16,200; comfortable 3 months = 24,300; resilient 6 months = 48,600.
Recommendation: comfortable, because invoices arrive about 25 days late.
Current cash 9,500, so the gap to 24,300 is 14,800.
Saving plan: 14,800 / 6 = 2,467 a month; / 12 = 1,233; / 24 = 617.
Use the reserve only for a drop in income above 20 percent for two months; rebuild before new spending. Planning support, not advice.

• cash-reserve