Safe-To-Spend Calculator

Protect profit. Protect tax. Control operating costs.

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Cash collected
$
−
Profit set aside
$
−
Owner pay set aside
$
−
Tax / GST protected
$
=
Cash left for operating costs
$0
Set your spending limit
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Operating cost target Your planned operating cost limit
$
Safe spending limit
$0
Use the lower of your operating cost target or cash left for operating costs.
Your allocations are higher than the cash collected. Review the amounts before spending.
This calculator works on this page only. Entries are not saved.

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Turn your Xero numbers into better decisions

Xero records what happened. Profit-Ready Xero helps you decide what to protect, what you can safely spend and what to improve next.

  • Monthly cash, profit and safe-to-spend tracking
  • Clear Money Day targets
  • Practical action plans
  • Ongoing guidance and reviews
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You can keep your existing Xero account. This adds the planning and decision support around it.

Profit-Ready by CFOSg