Hire affordability calculator with a slow-month stress test
The average month always says yes. This runs the February test too.
Cushion = median profit minus the hire's full monthly cost, then again with profit reduced by your slow-month swing. The reasoning, with a worked example: the hire guide.
This calculator runs entirely in your browser with the numbers you type; nothing is sent anywhere. The app computes the same answer from your actual deposits, which is both lazier and more honest than typing.
Connect Square, Stripe, Shopify, Etsy, QuickBooks, or your bank. Every answer carries a receipt: the method, the sample size, and the confidence. When the math is not conclusive, it says so.
Get Counsel on the App Store Try the web demoCounsel's rule, applied to its own content: every figure above is computed, sourced from our demo businesses or your own inputs, never invented. This is cash math, not tax or legal advice. Written and maintained by the founder.