Owner Draw Guide

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

Choose the date range in Monthly owner draw. The cards show:

• Draw before tax — a monthly range based on 30% to 50% of accounting profit
• Current business cash — recorded cash before a draw or the tax reserves you enter
• Cash to retain — three months of average operating costs
• Monthly profit — accounting profit averaged over the period
• Monthly operating costs — recorded operating costs averaged over the period

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.

Allow for Tax

When a draw estimate is available, enter an optional Business tax rate and Personal tax rate under Allow for tax. The business rate reduces the profit used to estimate the draw. The personal rate reduces what you keep from that draw.

Leave a rate blank to exclude it, and do not include tax already recorded in your costs. The result shows the applicable tax reserves and monthly take-home range. Use Reset tax rates to clear both rates, and review the cash check before taking a draw.

Choosing Your Draw

When the Business Is Not Profitable

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