BUSINESS TOOLS / YOUR ASSUMPTIONS Cost & cash-flow stress test See how payment delays, inventory and supplier terms affect cash alongside changes in operating costs.
Currency labelIQD USD Illustrative starting pointChoose an example Distributor · payment delay Importer · FX and stock Food business · energy and sales Load example Clear all
Inputs stay in this tab and are not stored or sent for AI analysis. Changing the currency label does not convert amounts. Examples are invented, not sector averages or live prices.
Work out an IQD/USD supplier-cost change For unchanged USD prices and quantities, compare the IQD needed to buy one USD. Use the exchange rate actually available to your business, including relevant costs.
Baseline IQD per USD Scenario IQD per USD Apply to FX change
Enter two positive rates. Formula: (scenario rate ÷ baseline rate − 1) × 100. No live rate is supplied.
1. Enter your baseline Monthly salesSales recognised in a normal month. Monthly goods / materialsExclude freight, energy and overhead entered below. Also used as a steady-state purchases proxy. Monthly freightTransport and delivery costs. Monthly energyElectricity, generator fuel and other energy costs. Other monthly operating costsFor example, rent and salaries. Available cash bufferCash available before the extra working-capital requirement. Goods costs exposed to FX (%)Share affected by local-currency supplier cost changes. Sales paid on credit (%)Share collected after invoicing. Goods purchased on supplier credit (%)Applies to the goods cost proxy, not all operating costs. 2. Apply your scenario Sales value change (%)Negative for a decline. Costs do not scale automatically. FX-linked supplier cost change (%)Change in local-currency costs for the exposed goods share. Freight cost change (%)Assumed change in monthly freight costs. Energy cost change (%)Use a change in your bill, not the oil price. Extra collection daysAdditional days beyond your current customer terms. Extra inventory daysAdditional buffer valued at scenario goods cost. Change in supplier payment daysPositive = more time to pay; negative = shorter terms. Cannot shorten by more than your existing terms. SCENARIO RESULT Start with your numbers. Complete all fields or load an example. Enter 0 where a cost or change does not apply.
Formulas & limits Goods = baseline goods × (1 + FX-exposed share × supplier cost change). Freight and energy change by their entered percentages; other costs stay fixed. Monthly surplus = sales − these operating costs.
Extra receivables = scenario sales × credit share ÷ 30 × extra collection days. Extra inventory = scenario goods ÷ 30 × extra inventory days. Supplier offset = scenario goods × supplier-credit share ÷ 30 × change in supplier days.
Cash remaining = buffer − extra receivables − extra inventory + supplier offset. A negative supplier offset adds a cash need. This steady-state approximation uses goods costs as a purchases proxy; it does not model the timing of inventory purchases or existing unpaid balances.
This is not a complete cash-flow forecast. Taxes, financing charges, debt service, capital expenditure, depreciation, bad debts and owner withdrawals are excluded. Longer supplier terms must be agreed. Costs do not automatically scale with sales.
Read the payment-delay analysis