Three-Account System
What it is
Allocation calculator
Calculator
Your numbers
- Tax Reserve move:
- Cash Buffer move:
- Operating remainder: computed after Tax Reserve and Cash Buffer
- Percentages total:
- Cash Buffer covers:
- Gap to 45 days:
- Tax Reserve + Cash Buffer is over 100%; Operating would go negative. Fix the percentages.
- Tax Reserve is below the book's 25% floor. Book rule, not tax advice.
Formula notes
- Book-supported: Operating is computed as the remainder after Tax Reserve and Cash Buffer percentages are applied.
- Book-supported: Tax Reserve validation flags only values below 25%; this is the book rule, not tax advice.
- Book-supported: Cash Buffer days uses current Cash Buffer balance divided by average daily operating expense and shows gap to 45 days.
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