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Free tool

How many months do you have?

Cash on hand divided by what actually leaves each month — projected month by month, so lumpy bills show up as the dips they are. Then pull the levers: hire someone, cut spend, raise, grow.

Free to use — just say where to reach you.

Enter your email and the calculator opens right here. No sign-up, no password, and nothing is sent to your inbox — we simply like knowing who finds these useful.

COAT subscribers see this pre-filled from their own books, with filing fees, tax instalments and CPF layered in from their compliance calendar automatically. Check this with us before you rely on it.