Stress test
What if sales drop?
Put in an ordinary month — sales, what each sale costs you, and the bills that come anyway. Then move the slider and see what a bad month does. It all stays in your browser.
Direct costs rise and fall with sales: goods, materials, delivery, commissions, card fees. Fixed costs come anyway: rent, salaries, software, the accountant, loan payments.
- Sales
- —
- Left after direct costs
- —
- Profit a month
- —
- Your savings last
- —
- Sales
- —
- Left after direct costs
- —
- Profit a month
- —
- Your savings last
- —
| Sales drop | Sales a month | Profit a month | Savings last |
|---|
What the numbers mean
A bad month hurts more than it looks, because the bills don’t drop with the sales.
Most owners watch sales. The numbers that matter are how far sales can fall before you lose money — and how long your savings carry you if they do.
Larger companies call this a stress test and set their warning lines in advance. A small business needs it more: there is less in the bank to absorb a surprise.
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