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.