Stress-test your business in minutes.
✓ Methodology published · ✓ Runs locally · ✓ No data sharing
Inputs
Revenue (monthly, $)
Monthly sales before costs. Typical: $10,000–$200,000.
COGS (%)
50%
Typical: 20–70% (clamped 0–95%).
Fixed Opex (monthly, $)
Rent, salaries, software — doesn’t vary with sales.
Variable Opex (%)
8%
Typical: 5–15% (clamped 0–50%).
Debt service (monthly, $)
Monthly principal + interest.
Cash on hand ($)
Total available cash balance.
Tax rate (%)
25%
Typical: 15–35% (clamped 0–60%).
AR days
Days to collect from customers. Typical: 15–45.
AP days
Days you take to pay suppliers. Typical: 15–60.
Inventory days
Time inventory sits before sold. Typical: 10–60.
Seasonality
None = stable; Mild/Strong = bigger swings (affects stress).
Horizon
Projection length for charts.
Press Run scenario to compute results. After you run: Blue = Baseline · Red = Scenario. Y-axis = Cash ($) · X-axis = Month.