Book Bonus Tool
The Waterline Dashboard
Your Survival Line protects your household. Your Buoyancy Number protects your business. Map your monthly overhead below and see if your working capital can carry the ship through a dry season.
1 Map the overhead
Your Monthly Burn Rate
Every cost the business carries whether revenue shows up that month or not.
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Your Business Burn Rate / month
$0
2 Size the dry season
Your Buoyancy Buffer
How many months of overhead should sit in working capital before you're comfortable riding out a slow stretch?
3 Check your working capital
Cash On Hand Right Now
Business checking and savings only — not your tax hold, not personal accounts.
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Your BuoyancyCash on Hand vs. Buoyancy Number
Buoyancy Line
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Enter your numbers
Fill in your overhead and cash on hand to see whether your ship is holding its waterline.
Current Runway
— mo
At today's burn rate, before cash runs dry
The Bottom Line — Your Survival Line is what your household needs to stay afloat. Your Buoyancy Number is what your business needs in working capital to survive a dry season without you bailing it out from your own reserve.