Should I put money into the business, or take money out?

Use your own cash report and chosen floor. This assessment shows bounded cash coverage, not clearance to transfer money.

Your last year

Lowest total month-end balance in business cash accounts over the last 12 months ending yesterday ($)Use the lowest combined total across business cash accounts at any month-end in those 12 months, not the lowest balance in just one account. Month-end figures do not reveal within-month lows.

Total ordinary cash paid out over the last 12 months ending yesterday ($)Ordinary means payments for the usual running of your business, including ordinary taxes. Exclude owner deposits and withdrawals, loan proceeds and repayments, and exceptional one-time items.

Your cash and proposed transfer

Total available cash in business accounts today ($)

Total cash balance you want to keep throughout the next 90 days ($)

Increase in business cash from your proposed owner transfer today ($; positive to put in, negative to take out, zero for no transfer)

One material item

Is there a one-time business payment or receipt in the next 90 days that you consider material to this decision?Material means you consider this one item significant enough to change whether you put money in, take money out, or leave it in place. There is no fixed currency threshold. Multiple consequential items cannot be represented reliably. Enter one item only, never combine a receipt and a payment.

Questions owners ask

Does the historical comparison mean I can withdraw safely?

No. Historical month-end balances do not establish future cash or within-month lows.

Does this establish whether the business is losing cash?

No. Ordinary receipts are not asked. Annual ordinary payments show spending scale, not net cash change.

Can I include several exceptional items?

No. One signed item is supported. Multiple consequential items cannot be represented reliably.

What does zero transfer mean?

No owner transfer is modeled. It does not establish whether leaving the money alone is safe.

What is excluded?

Changes in unpaid invoices and bills, intervening cash timing, and several exceptional items are unmodeled. Scheduled debt payments and excluded items are not assumed absent.

Assumptions

Historical comparisons are not future cash bounds. One month of ordinary payments is B / 12; the floor in weeks of payments is F / (B / 52), omitted when B is zero. Both show scale only and never determine the headline. Your floor is your chosen balance, not a computed reserve requirement.

Sources and review dates

Your lowest combined month-end cash balance and annual ordinary payments for the completed 12 months ending yesterday, cash accounts today, and the one item's stated amount.
The worst comparison uses the lower of today's cash and your lowest month-end; your chosen floor sets the three headline states; annual ordinary payments show scale only.
One material item in the next 90 days, plus your annual cash facts and the proposed transfer.

No prefilled answers, assumed rates or tax-adjusted transfer. Calculations stay in this browser until you ask for an email copy.

For information only; financial, legal and tax decisions depend on your circumstances.