Planning Calculators

Financial planning calculators for DTC founders. Cash flow runway, burn rate, profit reinvestment, scenario planning, tax estimation, vendor terms, and revenue-based financing.

Cash Flow Runway

Months until cash out.

DTC P&L Builder

Full P&L with ecommerce-specific line items.

Break-Even Revenue

Monthly revenue to cover fixed costs.

Monthly Burn Rate

Total monthly burn with runway projection.

Revenue Forecaster

12-month revenue projection with seasonality.

Loan Repayment

Shopify Capital, Clearco, revenue-based financing.

Startup Cost

Total cost to launch a DTC brand from scratch.

Profit Reinvestment

How reinvesting X% of profit compounds growth.

Seasonal Budget Planner

Allocate annual budget by month using seasonality.

Inventory Investment

Cash tied up plus optimal reorder timing.

DTC Valuation Estimator

Brand valuation from revenue multiples.

Founder Salary

What you can pay yourself based on margins.

Quarterly Tax Estimate

Estimated quarterly tax based on revenue and structure.

Scenario Planner

Bull / base / bear three-scenario projections.

Vendor Payment Terms Value

NET30/60/90 cash flow impact and supplier negotiation.

Revenue-Based Financing

RBF cost vs traditional debt and cash.

About planning calculators

Financial planning is the difference between brands that survive surprises and brands that don't. The calculators in this category quantify the cash discipline that separates sustainable growth from fast-followed-by-flameout — runway, burn, scenarios, working capital, and capital structure.

These 16 tools cover the full financial stack: cash management (cash flow runway, monthly burn rate, vendor payment terms value), planning (revenue forecaster, scenario planner with bull/base/bear, profit reinvestment modeling, goal pacing dashboard), capital decisions (RBF cost vs bank debt, agency vs in-house, hiring timing), and tax planning (quarterly estimates by entity structure).

The benchmarks: healthy DTC operates with 6-12 months of runway minimum. Bear-case planning is the right cash discipline — budget operating expenses on the bear case, hire on the base case, reserve bull for stretch incentives. Tax reserve: 25-35% of monthly net profit transferred to a separate account. Vendor payment terms (NET60-NET90) materially improve cash position once volume scales.

The strategic insight: most founders dramatically over-estimate optimistic scenarios and under-plan for bear scenarios. The brands that scale through downturns are the ones that have rehearsed the bear case in writing — runway under 50% revenue decline, ad efficiency under 1.5× ROAS, supplier disruption costing 30 days. Plan for it before you need it.