Owner Draw Guide

Note Available on Growth and Scale plans. Requires QuickBooks or Xero for net income data.

The Owner Draw Guide helps you plan how much the business may be able to pay you while keeping a three-month cash buffer.

KPI Cards

Monthly Net Income — your business's net income per month
Estimated Owner Draw — a monthly range based on 30% to 50% of accounting profit
Cash Runway — how many days of operating capital you have remaining
3-Month Cash Buffer — three months of average operating costs

Estimated Owner Draw Range

The range is 30% to 50% of average monthly accounting profit. Nummbas only shows it when the selected period has enough history, complete operating costs, and positive profit.

Cash Check

Nummbas compares your current cash with three months of average operating costs. It shows how much cash sits above or below that buffer. This cash check does not change the profit-based range.

If cash data is missing or stale, the profit-based range can still appear, but the cash check will be unavailable.

Tax Boundary

Before you continue Use the estimate as a starting point. Your accountant can help you choose the best way to pay yourself.

When the Business Is Not Profitable

If accounting profit is zero or negative, Nummbas does not show an owner draw estimate.

Tip

Connect QuickBooks or Xero so Nummbas can use complete accounting profit and operating costs. Add current cash data to see the cash-buffer check.