Safe-to-Spend Calculator
Estimate what you can actually spend from your business account after taxes, upcoming bills, and a safety buffer.
Business Inputs
Connect bank$
%
$
$
2 weeks
Estimated Safe-to-Spend
$3,650
Coverage
0.36x balance
Confidence
Manual estimate
Tax reserve
$2,500
Estimated amount to keep untouched for taxes.
Bills + buffer
$3,850
Upcoming obligations plus your chosen safety cushion.
A calculator helps. A connected CFO engine updates daily.
FlowCFO connects to your accounts, learns recurring bills and income patterns, tracks tax reserves, and refreshes Safe-to-Spend automatically.
Get Early AccessBank balance
$10,000
Tax reserve
-$2,500
Upcoming bills
-$1,850
Safety buffer
-$2,000
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