Oxygen Line Calculator

🏦 Cash On Hand

Money in the bank ⓘYour actual business checking + savings balance — not your P&L profit. Profit and cash tell different stories; you can only spend the cash. Use today's real number.

📉 Monthly Fixed Costs

Rent / lease ⓘYour monthly rent or lease payment — the non-negotiable fixed cost, due whether you're packed or empty.

Payroll (instructors + desk) ⓘTotal monthly labor cost — instructor pay, front desk, any W2 salaries. Include employer taxes. This is usually the largest line.

Software, insurance & other fixed ⓘEverything else that bills monthly regardless of attendance: software, insurance, phone, payment-platform base fees, loan payments.

🫁 Your Oxygen Line

Months Of Runway

1.1

doors stay open with zero new revenue

1 mo

3 mo

6 mo

The Numbers

Cash on hand $18,000

Monthly burn $17,000

To reach 3-month minimum +$33,000

                            To reach 6-month healthy
                            +$84,000
                        

🚨

Critical — one bad month away

You have roughly a month of runway. One slow July or one equipment failure and you're funding payroll on a credit card. Build the reserve before you need it.

💡 Why Profitable Studios Go Broke

📅

Annual cost of burn

$204k

⚠️

Days until broke

33 days

🎯

Target reserve (6 mo)

$102k

See the squeeze coming in March.

Zipper's MRR tracking and cash forecasting surface the July trough while you still have time to fill it. Profit on paper, cash in the bank — know both.

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How Long Could You Survive?