Cash cushion calculator.
Your risk rating in seconds.

Type in three numbers and watch the gauge move. This is the same cash cushion and Cash Risk Rating that
Own Your Numbers works out from your Xero data every week.

What is in the bank today. Shown for context only.

Cash, plus what you are owed, minus what you owe.

Your typical monthly running costs: payroll, rent, software, suppliers.

Cushion = net cash divided by monthly cost base. How many months could you keep going if the money stopped coming in?

Cash in bank
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Net cash
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Cost base
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Cushion (months)
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What your Cash Risk Rating means.

  • CRITICAL0.0 (negative cushion), or net cash £0 or less.
    Cash needs attention this week.
  • VERY HIGH0.0 to 0.9 months of cushion.
    One late payment can hurt.
  • HIGH1.0 to 1.9 months.
    You are one shock away from trouble.
  • MEDIUM2.0 to 2.9 months.
    Room to breathe, worth protecting.
  • LOW3.0+ months.
    You can plan rather than react.

Know exactly where your business finances stand

Get your cash cushion and Cash Risk Rating free in under a minute.

See my cash cushion

14 days free · no card · read-only.

Read-only by design · your data never trains AI · Google Cloud UK.

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