Cash Flow Stress Test & Scenario Simulator
Run financial simulations to see how your business survives downturns, expense shocks, and delayed payments. Identify risks and stay cash positive.
Expected customer payment delays
How fast expenses may rise
Revenue drop due to crisis
If cash earns interest
Enter your financial parameters and click "Run Stress Test Simulation" to see your analysis
Understanding Cash Flow Stress Testing
Learn how financial stress testing helps anticipate cash shortages
This simulator projects your cash reserves across different "what-if" scenarios, like revenue dips, rising costs, or delayed client payments. It calculates how many months your business can sustain operations before liquidity runs out.
Key Components:
- Starting cash position
- Monthly revenue and expenses
- Payment delays and timing
- Stress scenarios (revenue drops, expense increases)
- Time to break-even or cash depletion
All calculations happen locally in your browser, no data is uploaded to our servers. Your financial information stays completely private.