Step 1, Your Current Numbers
Current cash balance Right now
$
Monthly operating costs All in
$
Average weekly sales
$
Average weekly costs
$
Step 2, Choose Your Scenario
👤 If I Hire Someone
Model the full cash flow impact of bringing on a new team member, including their total cost and how long your reserve can sustain it before break-even.
Their hourly wage $/hr
$
Hours per week
h
Expected additional weekly revenue from hire Conservative estimate
$
Your Hiring Scenario Results
Weekly hire cost (total)
Wage + FICA + overheads (~30%)
Weekly net impact
Additional revenue minus hire cost
Break-even revenue needed
Per week to cover this hire
Reserve runway
Weeks before reserve drops below target
Cash position, with vs without hire (13 weeks)
📉 If Sales Drop
See exactly what happens to your cash if you hit a slow period. Know in advance whether your reserve can carry you through, and for how long.
Sales drop % e.g. 20 for 20% drop
%
Duration Weeks of slow period
w
Can you reduce costs during this period? Weekly saving
$
Your Slow Month Results
Cash at end of slow period
If the drop lasts the full period
vs your reserve target
4-week operating cost buffer
Weekly cash burn during drop
Net outflow per week
Weeks until reserve depleted
At the reduced sales rate
Cash position, normal vs slow period (13 weeks)
📦 Reorder Timing
Should you reorder stock this week or wait? See the cash floor impact of ordering now versus waiting, and find the safest timing for your situation.
Order value Stock cost
$
Supplier payment terms Days until due
d
Weeks of stock this order covers
w
Your Reorder Timing Results
Cash floor, order now
Lowest cash point if you order this week
Cash floor, wait 2 weeks
Lowest cash point if you wait
Cash saved by waiting
Additional buffer from delaying
Recommended timing
Cash position, order now vs wait 2 weeks (8 weeks)
Get the Full 13-Week
Projection in Excel
The Margini Growth Pack includes the complete cash flow projection spreadsheet, plus scenario planning for hiring, expansion, and slow periods. One-time purchase. Yours to keep.