Free resources / U.S. business owners
Long-term funding and liquidity worksheet
Check whether a proposed annual commitment leaves enough cash for your business.
Use the worksheet ↓Your figures
Start with your numbers.
Replace the hypothetical example with your own figures. All amounts are U.S. dollars.
Cash you can actually access. Exclude receivables, property and unavailable investments.
Set a reserve appropriate for payroll, working capital and seasonality. This example is not a recommended reserve.
Taxes, one-off debt repayments and purchases not already included in the operating reserve. Count each amount once.
Include recurring premiums, contributions and associated recurring costs you want to stress-test.
Models the entered annual amount with no new profits, borrowing or investment returns. Actual obligations depend on the agreement.
Your illustration
What the numbers show
- Cash available after reserves and commitments
- $300,000
- Reserve and commitment deficit
- $0
- Funding required over selected period
- $250,000
- Total shortfall including reserves
- $0
- Cash cushion after modeled funding
- $50,000
No new profits or borrowing are assumed. A positive cushion does not establish that an investment, policy or pension contribution is suitable.
Find your specialist ↗Keep a copy for your CPA ↓Illustrative worksheet · USD
Reviewed September 22, 2026
What this estimate includes
Available cash equals current cash less operating reserves and known commitments. Funding requirement equals the entered annual commitment multiplied by the selected years, with no new profit assumed. A reserve deficit and the total funding shortfall are shown separately. This is not a forecast, actuarial funding schedule or insurance illustration. It does not model policy cash value, loan access, tax savings or investment returns. Do not automatically invest all remaining cash. Review the commitment with your CPA and the relevant specialist.
NAIC: life insurance roadmap ↗Questions for your CPA
- How much must stay available for the business?
- What happens if revenue falls or funding stops?
- What access restrictions, fees and borrowing costs apply?
Ready to verify these figures and discuss your options?
Tell us about your business so we can identify a suitable professional.
Find your specialist ↗Keep a copy for your CPA.
Your inputs, calculations, assumptions and questions are included. No contact details required.
Your PWG worksheet
PRESERVE WEALTH GROUP Long-term funding and liquidity worksheet Illustrative worksheet · USD · September 22, 2026 model YOUR INPUTS Current available business cash (USD): 500,000 Chosen operating reserve (USD): 150,000 Other known commitments (USD): 50,000 Proposed annual funding (USD): 50,000 Years of funding to stress-test: 5 RESULTS (rounded to nearest dollar) Cash available after reserves and commitments: $300,000 Reserve and commitment deficit: $0 Funding required over selected period: $250,000 Total shortfall including reserves: $0 Cash cushion after modeled funding: $50,000 No new profits or borrowing are assumed. A positive cushion does not establish that an investment, policy or pension contribution is suitable. ASSUMPTIONS Available cash equals current cash less operating reserves and known commitments. Funding requirement equals the entered annual commitment multiplied by the selected years, with no new profit assumed. A reserve deficit and the total funding shortfall are shown separately. This is not a forecast, actuarial funding schedule or insurance illustration. It does not model policy cash value, loan access, tax savings or investment returns. Do not automatically invest all remaining cash. Review the commitment with your CPA and the relevant specialist. QUESTIONS FOR YOUR CPA How much must stay available for the business? What happens if revenue falls or funding stops? What access restrictions, fees and borrowing costs apply? REFERENCE NAIC: life insurance roadmap: https://content.naic.org/article/consumer-insight-life-insurance-roadmap Find your specialist: https://preservewealthgroup.com/apply Educational illustration, not personalized financial or tax advice.