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NT-152 / Decision pack

Cash buffer scenarios

Compare an available reserve with an explicit expense assumption.

Divide an entered available reserve by assumed monthly essential outflows and compare it with a chosen target-month allowance. This does not recommend a reserve size.

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Editable .xlsxPDF guideNo macros

Start with the decision

How many expense months does the entered reserve cover?

Small-business operators comparing their own cost assumptions.

From input to next step.

  1. 01

    Choose a consistent basis

    Use genuinely available money and one consistent outflow definition.

  2. 02

    Enter the assumptions

    Enter your own target months and outflow scenario. Keep restricted or committed money separate.

  3. 03

    Review the result

    Review actual timing and uncertainty before acting. A zero additional amount only means this arithmetic target is met.

A look inside

The example, in plain sight.

Fictional values from the workbook. Amounts are illustrative currency units, not a market rate or a customer result.

Reserve scenario
Scenario A
Available reserve
12,000.00
Monthly essential outflows
4,000.00
Chosen target months
3
Months covered
3
Target amount
12,000.00
Additional amount to target
0.00

Before you use the result.

  • This is not a solvency assessment.
  • Zero outflows leaves coverage unavailable.
  • No investment or reserve recommendation is supplied.

A reserve comparison scenario, not financial planning advice.

A few useful answers.

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Each product includes a PDF guide, an editable Excel workbook, a fictional worked example, a blank worksheet with 50 prepared rows and a decision log. Working kits also include an implementation plan and an adaptable message. The exact file list is on each product page.

What software do I need?

A PDF reader and spreadsheet software that supports standard .xlsx formulas. The workbooks contain no macros or external data connections. Formula results depend on your inputs and your spreadsheet software recalculating them. No paid AI account is required.

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