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Advisor Use Only

Cash Calculator

How much cash is too much? This tool separates useful reserve money from idle cash that may need a more productive job.

How to use this tool

Use this to split useful cash from idle cash. The tool shows how much cash is a prudent reserve and how much may be drag.

  1. Start with current cash, monthly spending, reserve target, and investable assets.
  2. Read the deployable excess first.
  3. Use advanced assumptions to estimate the opportunity cost of doing nothing.

Cash Calculator scope

Use this to separate needed reserves from idle cash drag. It does not replace liquidity, tax, or investment suitability review.

Reserveuser-enteredDragassumption drivenTaxnot modeledOutputexcess cash screen

Inputs

Start with only the conversation-driving numbers. Advanced assumptions are tucked away unless you need them.

Savings, money market, and other low-volatility cash.
Used to size the reserve.
Months of spending to keep liquid.
Used to judge whether cash is outsized.
Advanced assumptions
Expected return on the cash sleeve.
Comparison return for deployable excess.
Years used for opportunity-cost math.
Changes the advisor-language tone.

Enter the cash details, then get the cash answer.

Disclosures and important information
Educational use only.

These tools are intended for advisor education and planning conversations. They are not a recommendation or client-specific advice.

Not tax, legal, investment, or product advice.

Tax, legal, investment, and insurance decisions should be reviewed with the client’s qualified professionals and the advisor’s compliance process.

Illustrative assumptions.

Outputs depend entirely on user-entered assumptions and simplified formulas. Actual results may differ materially.

Tax estimates are simplified.

Tax calculations may not fully reflect deductions, credits, state taxation, IRMAA, Social Security taxation, AMT, NIIT, filing-status changes, or future law changes unless explicitly modeled.

Product and rate assumptions.

Any annuity bonus, cap, participation, fee, income, or legacy value shown is hypothetical unless supported by current carrier-approved materials.

No guarantees.

Projections do not guarantee future performance, income, tax treatment, product availability, or client outcomes.

Compliance review required.

Client-facing use, screenshots, exports, and presentations should be reviewed under the advisor’s firm, broker-dealer, RIA, IMO, carrier, and state requirements.

Client-specific review required.

Before implementation, verify account values, cost basis, beneficiary designations, liquidity needs, surrender schedules, fees, riders, tax forms, and client objectives.