Cash & budgets · Cash-based estimate
Owner draw planner
Protect upcoming payments, tax reserves and your business cushion first.
Example amounts. Replace with your numbers.
Protect what is committed
US dollars Available bank cash for this business. Exclude credit limits and uncollected invoices.
US dollars Include payroll, card balances and other obligations due before the next reliable inflow.
US dollars Sales tax, payroll tax and income-tax reserves not already counted in bills.
US dollars Customer funds or other amounts not available for an owner draw. Do not count the same reserve twice.
US dollars
US dollars
Cash-based draw ceiling
$8,000After protecting the obligations and reserves you entered.
- Cash after proposed draw
- $30,000
- Commitments + cushion
- $27,000
Your proposed draw fits within the cash target you entered.
This is a liquidity check, not permission to distribute funds. Ownership terms, tax basis, solvency, lender restrictions and reasonable compensation may further limit a draw.
How this estimate works
Ceiling = cash − bills − tax reserves − restricted cash − cushion, floored at zero. Expected receipts are intentionally excluded until collected. Choose a horizon long enough to include your next major obligations; use the 90-day planner for timing.