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 hire guide has the reasoning and a worked example.
This calculator runs in your browser on the numbers you type, and nothing is sent anywhere. The app works out the same answer from your actual deposits, so you don't have to remember or retype anything.
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Connect Stripe, Square, Shopify, Etsy, QuickBooks or a bank feed, or drop in a CSV. Every answer comes with a receipt that shows the method, the sample size and how confident it is. When the math isn't conclusive, the app says so.
Every figure on this page is computed from Counsel's demo businesses or from the numbers you type in. None of them are made up. This is cash math, not tax or legal advice. Written and kept up to date by the founder.