Hire affordability calculator with a slow-month stress test

The average month always says yes. This runs the February test too.

Calculator · Brandon Grutkowski ·

02 / The calculator
What it computes

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.

cushion in a normal month
cushion in a slow month

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.

03 / Keep reading
  1. 01Can your business actually afford that hire?
  2. 02Pay yourself calculator: median and worst honest month
  3. 03Cash runway calculator with a thin-months warning
04 / Counsel

Counsel does this math on your real numbers.

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 demo

Counsel'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.