You know that feeling when the credit card bill arrives, and you immediately calculate your bank balance in your head? This calculator is that feeling, but for your business, projected over three months. It’s your financial crystal ball, showing you exactly when you hit cash crunch, or when you can safely afford that big ad spend boost.

Part 1: Your Starting Lineup (Current Position)

Enter the cold, hard numbers for right now. This is your foundation.

• Current Cash Balance: What is in your bank account today. Be honest, not aspirational.
• Outstanding AdSense Payment: The money you know is coming, but hasn’t landed yet. This payment arrival is a major cash-in event, so precision matters.
• Select your Currency.

Part 2: Daily Operations: The Grind 

These are the numbers that hit your account every day or month.

• Daily Ad Spend: The average amount you pay daily to acquire traffic (Cash Out).
• Expected Daily Revenue: The average amount of money your site generates daily from ads, sales, etc. (This is earned, but not yet paid into your bank, remember the AdSense cycle is delayed).
• Other Monthly Expenses: Hosting, subscriptions, tools, content writers, etc. The tool averages this out weekly for the forecast.
• Days Until AdSense Payment: Crucial input. If AdSense pays on the 21st, and today is the 6th, enter 15. This dictates when your big cash injection hits.

Part 3: Future Moves (Growth Plans) 

This section helps you run a “What If” scenario.

• Planned Budget Increase (%): The percentage you plan to boost your Daily Ad Spend by. Enter $0$ if you plan to keep spending the same.
• Days Until Budget Increase: When do you plan to hit the gas pedal? Enter the day number, like $30$ days from now.

Step 4: Generate and Review the Results 

Click “Generate Forecast” and look at the breakdown.

• 30/60/90-Day Cash Position: These three numbers tell the story. They show your bank balance at the end of each month.
• Weekly Cash Flow Projection: This table is your weekly truth serum.
  • The Ending Balance column is what you must watch. If it gets low, the calculator signals a Warning.
• Cash Flow Warnings

: This section is the financial siren. If the calculator sees your balance dipping too low, it flags the week you might hit a cash crunch (when your money runs out before the next payment arrives).

• Verdict: The final verdict tells you your Runway (how many days of expenses you can cover with your cash). If your runway is short, forget scaling: stabilize first. If it’s long, you are cleared for growth. That’s the signal you want.