Free resources / Canadian business owners
Separate cash your business needs from money that may be available for longer-term planning. Bring the worksheet to your accountant before committing funds.
Use the worksheet ↓01 / Your figures
Example figures are prefilled. Replace them with your own; all amounts are Canadian dollars.
Cash and cash equivalents only. Exclude receivables, property and investments you cannot readily access.
Normal recurring business expenses. Keep one-off costs in the separate commitments field.
Choose a buffer for your own business. Six months is an example, not a recommended reserve.
Tax bills, one-off debt repayments, planned purchases and owner withdrawals not included in the operating reserve. Count each commitment once.
02 / Your illustration
This is a starting point for a conversation, not a recommended investment or insurance contribution.
Find your specialist ↗Keep a copy for your accountant ↓2026 model · Reviewed September 22, 2026
Illustration only. Figures rounded to the nearest dollar.
Understand the calculation
Snapshot of cash today, not an annual cash-flow forecast or retained earnings calculation. Potential planning cash equals cash less the operating reserve and other commitments, with a minimum of zero. A reserve shortfall is shown separately. No future sales, borrowing capacity, investment returns or tax savings are assumed. Seasonality, debt covenants and unexpected expenses may require a larger buffer. A positive result is not an amount you should automatically invest or commit to premiums.
Bring these questions
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Find your specialistYour report includes your inputs, the calculation, assumptions and questions to discuss.
PRESERVE WEALTH GROUP Corporate cash planning worksheet Illustrative worksheet · CAD · model reviewed September 22, 2026 YOUR INPUTS Cash available today (CAD): 500,000 Monthly operating cash outflow (CAD): 25,000 Months of operating reserve: 6 Other cash already committed (CAD): 50,000 RESULTS (rounded to nearest dollar) Potential cash for longer-term planning: $300,000 Operating reserve: $150,000 Other commitments: $50,000 Reserve and commitment shortfall: $0 This is a starting point for a conversation, not a recommended investment or insurance contribution. ASSUMPTIONS AND LIMITS Snapshot of cash today, not an annual cash-flow forecast or retained earnings calculation. Potential planning cash equals cash less the operating reserve and other commitments, with a minimum of zero. A reserve shortfall is shown separately. No future sales, borrowing capacity, investment returns or tax savings are assumed. Seasonality, debt covenants and unexpected expenses may require a larger buffer. A positive result is not an amount you should automatically invest or commit to premiums. QUESTIONS FOR YOUR ACCOUNTANT • Have we reserved enough for taxes, seasonality and upcoming purchases? • How much can we commit each year without relying on future borrowing? • Which retirement or estate-planning options fit our liquidity needs? SOURCES CRA: provincial and territorial rates: https://www.canada.ca/en/revenue-agency/services/tax/businesses/topics/corporations/corporation-tax-rates.html CRA: federal business limit: https://www.canada.ca/en/revenue-agency/services/forms-publications/publications/t4012/t2-corporation-income-tax-guide-chapter-4-page-4-t2-return.html CRA: refundable portion of corporate tax: https://www.canada.ca/en/revenue-agency/services/forms-publications/publications/t4012/t2-corporation-income-tax-guide-chapter-6-pages-6-7-t2-return.html CRA: investment tax and dividend refunds: https://www.canada.ca/en/revenue-agency/services/forms-publications/publications/t4012/t2-corporation-income-tax-guide-chapter-7-page-8-t2-return.html Alberta: corporate tax rates: https://www.alberta.ca/about-tax-levy-rates-prescribed-interest-rates Quebec: general corporate tax rate: https://www.revenuquebec.ca/fr/entreprises/impots/impot-des-societes/ Find your specialist: https://preservewealthgroup.com/apply Educational estimate, not personalized financial or tax advice.
Go deeper / Beyond The Bottom Line
These worksheets do not compare product returns or establish that any strategy is suitable for you.
Reviewed September 22, 2026. Rates and rules can change. Your accountant should confirm the rules applicable to your tax year.
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