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How long can the business withstand a revenue shock?
Separate variable-cost flex, fixed cash cost and committed payments from a revenue decline.
Example scenario
Editable demonstration inputs, not verified industry benchmarks. Enable JavaScript to calculate your own scenario.
- Available cash buffer
- $400,000
- Normal monthly collected revenue
- $250,000
- Revenue decline
- 30 %
- Normal variable cash cost share
- 40 %
- Variable cost reduction achieved versus volume drop
- 70 %
- Monthly fixed cash cost
- $120,000
- Monthly debt & other committed cash payments
- $15,000
Downside cash runway
Example result only, not a forecast or promise.
- Stressed monthly collected revenue
- $175,000
- Stressed monthly cash burn
- $39,000
- Stressed variable cash cost
- $79,000
What to do with this result
Use actual collection lags and minimum purchasing commitments; costs often flex more slowly than revenue.
Know what is inside the model.
Planning model, not personalized financial advice. Your inputs remain in your browser.
Calculation method
Stressed revenue = normal revenue × (1 − decline). Stressed variable cost = normal revenue × variable share × (1 − decline × cost-flex share). Monthly cash burn = stressed costs + fixed commitments − stressed revenue.
Assumptions and limitations
- Example inputs are editable scenarios, not Aryo results or independently verified industry benchmarks.
- Business revenue is not owner income. These scenarios do not predict demand, guarantee earnings or establish a business valuation.