Your days of cash, on the authorizer's band.
Enter two numbers and see how many days you could keep operating on cash alone, plotted against the 30, 60, and 90 day marks authorizers and lenders use. The math runs in your browser.
Cash you can spend freely today. Leave out restricted grants and reserves you cannot touch.
Your yearly cash operating expenses. Use the figure before depreciation, since depreciation is not a cash cost.
Your days cash on hand
46days
Minimum met, below the established-school target.
Past the one-month floor. New schools (years 1 and 2) meet the common authorizer standard here, but established schools are expected to reach 60 days.
Read it as your cushion if revenue paused tomorrow. 46 days means you could cover about 46 days of operating expenses from unrestricted cash alone.
Charter authorizers commonly want an established school to hold 60 or more days of cash, and lenders treat about 30 days as the floor and 90 as optimal.
Sources: Washington State Charter School Commission Financial Performance Framework (NACSA-based, 60-day standard); Self-Help Federal Credit Union, Charter School Financial Health Metrics (minimum 30, optimal 90).
Email me my days-cash result and a one-page guide to the authorizer and lender benchmarks.