Calculate your result
Use figures from the same period and currency. Avoid mixing estimates with verified amounts without noting the difference.
Privacy: This calculation runs in your browser. The figures you enter are not submitted to our server.
Why this matters
An agent can have enough total value and still fail customers because the wrong side of liquidity is available. Cash supports withdrawals; e-money float supports deposits and transfers. The calculator supports the decision about whether each active side of liquidity can meet expected demand after the selected peak buffer. Mobile-money operations can appear balanced in total while a specific cash, float, staff or transaction account remains exposed.
Use cash and float available for use, expected daily cash-out and cash-in demand, peak periods and a buffer based on observed volatility. Preserve the original evidence before adjustments, and keep physical cash, each provider wallet and other custodial balances separate. Mobile-money guidance is an internal-control diagnostic. It emphasizes separate custody accounts, independent evidence, percentage-based materiality and prompt exception handling. Materiality is measured as a percentage of relevant value or activity so a currency denomination does not determine urgency.
How to act on the result
- Set separate minimum cash and float alerts
- Rebalance before peak hours instead of after transactions fail
- Record stock-outs and lost transactions to improve future demand estimates
Use the result as the start of an exception workflow: recount, reconcile, identify evidence, assign ownership, approve any correction independently and record closure. A surplus is also unresolved until supported; it may represent an omitted customer liability or posting error rather than business income.
Common mistakes and limits
Watch for netting cash and float, treating zero demand as a shortage, using average demand during a peak event and failing to reserve liquidity for large known transactions. This tool does not prove theft, fraud or employee liability and does not replace provider statements, employment procedures, local regulation or a formal investigation. Persistent liquidity failure may require changes to rebalance arrangements, provider support, capital allocation or operating hours.
Decision record: Before acting, save the input date, source documents, person responsible and next review date. This makes the result auditable and prevents an estimate from being repeated later as if it were verified fact.
What this calculator answers
Is current cash and e-money float enough for expected transaction demand?
Formula and assumptions
Required cash or float = expected daily demand × (1 + peak buffer %). Coverage % = available cash or float ÷ required amount × 100.
The result is an estimate. It is only as reliable as the inputs, and it does not account for every tax, legal, financing or operational consequence.
Worked-example method
Use the prefilled sample values, calculate once, then replace every input with numbers from your records. The result will show a risk level, key measurements and one recommended next move.
How to interpret the result
- Low: no immediate gap or the entered position is comparatively protected.
- Medium: manageable pressure exists, but it should receive a dated correction plan.
- High: the problem can materially damage cash or operations and requires near-term action.
- Critical: the entered assumptions indicate immediate loss, shortage or survival risk.
Authoritative references
Sources provide general business and operational context. The formula and result are decision-support estimates created by Business Rescue Tools.
Frequently asked questions
What does this calculator tell me?
Is current cash and e-money float enough for expected transaction demand?
How is the result calculated?
Required cash or float = expected daily demand × (1 + peak buffer %). Coverage % = available cash or float ÷ required amount × 100.
Should I make a major decision from this result alone?
No. Use the result to identify and quantify a problem, then verify the underlying records, assumptions and local legal or accounting requirements.
Does the site store the figures I enter?
This browser-based calculator runs in your browser and does not submit the figures to our server.