Calculator / Plan the business
How much of that cash still has a job?
Annual payments arrive before the last issue is delivered. Set a planning envelope for remaining service, a refund buffer and other commitments before treating the balance as available.
02 / Follow the result
Your modeled scenario
- Remaining delivery cash cost
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- Total planning envelope
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- Cash above / below envelope
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- Envelope covered by assigned cash
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For the assumptions entered. This is a scenario, not a forecast.
One question, two scenarios
What changed?
How to read this result
Remaining delivery cost = rounded monthly cash cost × whole months remaining. Planning envelope = delivery cost + refund buffer + other unpaid commitments. Each monetary line is rounded to cents.
Cash headroom = assigned cash − planning envelope. A negative number is a modeled shortfall; a positive number does not mean profit or distributable cash. Coverage = assigned cash ÷ envelope × 100, undefined when the envelope is zero.
This is one cohort at one review date. It does not model future sales, renewal cash, monthly timing, shared-cost allocations or reductions in delivery cost after refunds. Avoid counting the same cost twice. The envelope conservatively adds the refund buffer without removing delivery costs.
Inputs are your policy assumptions. This does not calculate deferred revenue, legal reserves, tax, solvency or the refund amount a reader is owed. Use the cash timing planner for collection delays and monthly balances.
Inputs run locally in this browser tab. They are not sent or saved automatically. Download your work before leaving if you want to keep it.
The research behind the workings