Examples
Examples
Try the starting example
- Total bank cash ($)
- 1500
- Cash excluded as restricted ($)
- 500
- Cash excluded as designated/committed ($)
- 200
- Monthly scenarios: name, unrestricted cash inflow $, unrestricted cash outflow $
- Base,100,300 Down,50,350
- Months to inspect, at most 120
- 6
- Cash left after entered exclusions ($)
- $800.00
- First negative-cash month by scenario
- Base: 5; Down: 3
- Closing cash after horizon by scenario ($)
- Base: -400.00; Down: -1000.00
- Largest cumulative net outflow over horizon by scenario ($)
- Base: 1200.00; Down: 1800.00
Try another scenario
- Total bank cash ($)
- 1500
- Cash excluded as restricted ($)
- 500
- Cash excluded as designated/committed ($)
- 0
- Monthly scenarios: name, unrestricted cash inflow $, unrestricted cash outflow $
- Base,100,300 Down,50,350
- Months to inspect, at most 120
- 6
- Cash left after entered exclusions ($)
- $1,000.00
- First negative-cash month by scenario
- Base: 6; Down: 4
- Closing cash after horizon by scenario ($)
- Base: -200.00; Down: -800.00
- Largest cumulative net outflow over horizon by scenario ($)
- Base: 1200.00; Down: 1800.00
Calculation method
Calculation method
Cash left after entered exclusions ($)
Bank cash−restricted exclusion−designated/committed exclusion; exclusions must be disjoint.
First negative-cash month by scenario
Apply constant monthly net flows and report the first closing month below zero, or 0 if already negative.
Closing cash after horizon by scenario ($)
Opening available cash+horizon×monthly net flow.
Largest cumulative net outflow over horizon by scenario ($)
max(0,horizon×(monthly outflow−inflow)); this is a scenario requirement, not a recommended reserve.
Symbols and units
- a
- Total bank cash ($)
- b
- Cash excluded as restricted ($)
- c
- Cash excluded as designated/committed ($)
- d
- Monthly scenarios: name, unrestricted cash inflow $, unrestricted cash outflow $
- e
- Months to inspect, at most 120
Use the units shown. A list keeps the order in which you enter its values. The symbol ^ means “raised to the power of”.
Assumptions & limits
Assumptions & limits
- A constant-flow unrestricted-cash scenario after explicit disjoint exclusions. It does not determine which funds are legally available or recommend a universal reserve level.
Are these inputs private?
These calculations run in your browser. A shared link contains the values you choose to share. Only questions submitted to the separate AI finder are sent to OpenAI.
Further reading
Charity Commission: funds and reserves background; no universal reserve target ↗
Background reading; this does not imply endorsement or independent review of SumFizz.