01
Your cash, month by month.
Write down your starting cash. For each of the six months, record the income and expenses you expect.
Cash remaining after each month’s expenses (RWF)
BUSINESS RESERVE
When business slows,
life keeps moving.
Plan the money that keeps your activity running through quieter days. Choose a period that fits your work.
YOUR NEXT STEP
Plan around the rhythm
of your work.
Whether you work in hospitality, trade or another activity, write down the costs that continue when income falls.
A SIX-MONTH PLAN
See six months ahead.
Plan your next step.
Compare income and expenses. Explore how quieter months could affect your plan before you make a decision.
Bring harvest cycles, market activity, visitor seasons and household needs into one plan using your own figures.
02
What if income falls?
The comparison reduces income only; expenses stay as you entered them.
Compare your original plan with a lower-income scenario. Identify months when cash remaining would be low or insufficient.
03
Your next step
Use the calculator above to plan a reserve for quieter periods. Keep a written record of your own figures and bring it to your SACCO conversation.
This is a planning tool. It excludes interest, account charges and loan decisions.