Can My Business Afford This?
Use this calculator before making a major business purchase, hiring decision, equipment investment, software commitment, expansion, or other significant expense. It estimates how the decision could affect your cash position and monthly financial flexibility.
The Purchase
Enter the total cost of the decision you are considering.
$
Total cost before financing.
$
Estimated additional revenue, savings, or profit contribution created by this decision.
Your Current Business Finances
These numbers help estimate whether your business has enough financial capacity for the decision.
$
Available business cash before making this purchase.
$
Cash that you do not want this investment to consume.
$
$
Include normal operating expenses before this new decision.
$
Loans, financing, leases, and other required debt payments.
$
Maintenance, salary, subscription, insurance, utilities, or other recurring costs created by the decision.
How Will You Pay?
Select whether you plan to pay cash or finance part of the purchase.
Payment Method
Please enter the required financial information before calculating.
Affordability Assessment
0
AFFORDABILITY SCORE OUT OF 100
Current Monthly Surplus
$0
Revenue minus operating expenses and current debt payments.
Estimated Surplus After Decision
$0
Includes estimated benefit and new monthly financial commitments.
Cash Remaining After Purchase
$0
Estimated business cash immediately after the upfront payment.
Cash Above Your Minimum Reserve
$0
How much cash remains after protecting your chosen reserve amount.
Estimated Monthly Net Impact
$0
Expected monthly benefit minus new recurring costs and financing payments.
Estimated Payback Period
N/A
Approximate time required for monthly financial benefit to recover the purchase cost.
What the Numbers Suggest
Before You Make the Decision
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This calculator is provided for general educational and informational purposes only.
Results are estimates based entirely on the information entered and should not be considered
financial, accounting, tax, investment, or legal advice. Actual affordability depends on
cash flow timing, taxes, working capital requirements, financing terms, business risk,
future revenue, and other circumstances. Consider consulting a qualified financial
professional before making a major business investment.