Let's Talk

Tired of choosing between starving your business or yourself?

This quick calculator helps estimate how much you can safely distribute from profits while keeping your business healthy. This is a high-level, ballpark exercise, so don't worry about getting every number perfect.

Annual Revenue $5,000,000
Last 12 months of sales
$500K $50M
Enter exact amount
Monthly Operating Cash Spend $100,000
Payroll, rent, utilities, insurance, software, overhead, and other recurring operating costs
$10K $1M
Enter exact amount
Cash in the Bank Today $300,000
Current operating cash balance available in the business
$0 $5M
Enter exact amount
Safe to Distribute Today
$0
Based on maintaining a 3-month operating cushion
Is Your Business Seasonal?
Seasonal businesses may need a larger cushion to survive slower months
Months of Cash Cushion to Retain 3 months
Auto-calculated based on seasonality (you can override if needed)
1 12
+ Learn what's holding your cash — and how to free it up ▼

This shows how long it takes from when you spend a dollar until it comes back to your bank as income. The shorter this cycle, the faster cash builds up in your bank, freeing up more money for distributions.

Annual Cost of Goods Sold $3,000,000
$0 $40M
Current Accounts Receivable $500,000
$0 $5M
Current Inventory $750,000
$0 $10M
Current Accounts Payable $400,000
$0 $5M
Days Sales Outstanding
0
How long customers take to pay
Days Inventory Outstanding
0
How long inventory sits before selling
Days Payable Outstanding
0
How long you take to pay vendors
Cash Conversion Cycle
0
Days cash is tied up

What this means: It takes 0 days from when you spend a dollar on materials/labor until that dollar comes back as cash. The shorter this cycle, the more cash you have available.

Services Book a call Privacy

© 2026 Schapira CPA • 33 Bartlett St, Suite 204, Brooklyn, NY • (212) 380-6309