PRACTICAL TOOLS & CALCULATORS

Cash Flow Reserve Calculator

Illustrative Australian business professional

Work out how many months your current cash would cover your essential costs — and what reserve target might suit your business.

This free calculator produces a result immediately from the figures entered. It does not require an account, login or email address.

Enter your figures

Dollar amounts are in Australian dollars (AUD).

Rent, wages, loan repayments, insurance; excluding discretionary spending.

Income predictability

Your estimate

Enter your figures to see the estimate.

Important: This is a general guide, not a personalised recommendation — the right reserve for your business depends on factors this tool can't fully capture.

Further Guidance