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Business reserve fund calculator

Enter the business's monthly expenses, how many months of no-income coverage you want, and what's already set aside. The calculator computes the target reserve size and how much more needs saving.

3–6 months of expenses is a typical benchmark for small businesses — more for seasonal or unstable demand

Result

Target reserve

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Shortfall to target —

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This calculation is for informational purposes only and does not replace advice from a qualified professional. Formulas and rates may not fit your exact situation — double-check the figures before making decisions.

How it is calculated

Target reserve = monthly expenses × coverage months. Shortfall = target reserve − already set aside.

A negative result means the reserve is already funded above the target — the negative value shows the surplus.

A reserve fund is usually kept in the most liquid, reliable form (an on-demand or short-term deposit) — the priority here isn't return, it's being able to access the money quickly when needed.

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