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AI Cash Gap Calculator
AI made your work faster. It didn’t make your clients pay faster.
Your business today
Monthly revenue
Monthly expenses (everything, AI included)
Include owner pay and distributions.
10% profit margin today.
Of that, your AI bill
AI is 12% of your revenue.
Cash in the bank today
Customers pay
Keep at least this much in the bank
Your comfort cushion.
More details
How do you bill?
Invoices go out about 15 days after the work, on average.
Other expenses (not AI)
Payroll, rent, software, contractors.
Profit you take out each month
Beyond what’s already in your expenses.
Your business card limit
Leave at $0 if you’d rather not say.
We use anonymous answers to improve Rafter. We never sell them.
By December 2026, your tightest week goes below zero.
Profit margin
10% → 5%
Today → in 12 months
AI share of revenue
12% → 17%
Today → in 12 months
Tightest week
about −$49,700
Lowest weekly balance, Dec 2026
About $17,500 tied up in AI work clients haven’t paid for yet.
Your bank balance, tightest week of each month
Each bar is the lowest your balance gets that month. You want to stay above the dashed line.
Revenue counts when you bill it. The cash arrives on your Net 60 terms, plus about 15 days to invoice, so growth can tie up cash even while you’re profitable.
AI is taking a bigger slice of what’s left
What’s left each month after non-AI costs. Labels show profit margin.
What if your AI bill keeps growing?
AI bill growth
+5% a month is about 1.8x in a year.
Revenue growth
+2% a month is about 1.3x in a year.
Try a scenario
Assuming AI grows 5% and revenue 2% a month. Other costs grow with revenue. The AI bill goes on your card and is paid about 25 days after each statement.
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