The Income Spread Checker

Step 1 Where your money comes from

List each source of income for a normal year. Use last year's accounts or this year's budget. Put each big funder on its own line.

Source	Type	Per year	Restricted?	Next 12 months

Step 2 What it costs to keep going

These two figures show how long you could keep going if money stopped.

Total spending per year

Everything you spend in a normal year.

Free reserves

Money you could use for anything, not restricted funds or money tied up in buildings or equipment.

Step 3 Your income mix

How your income splits by type.

Good to know

The bands this tool uses are a rule of thumb from Creating Resilient Communities, not an official standard. Less than a quarter of your income from any one source is well spread, a quarter to a half shows some reliance, and more than half is heavy reliance.
Unrestricted income is money you can spend on whatever the organisation needs most, including running costs. Restricted income can only be spent on what it was given for.
Reserves cover is your free reserves divided by your monthly spending. It shows roughly how many months you could keep going if new income stopped.
Spreading your income takes time. Pick one new source to build this year rather than trying everything at once.

This tool gives general guidance to help you plan. It is not financial advice for your organisation. Your figures stay in this browser and are not sent anywhere. Built by Sara Downman-Pardoe, Creating Resilient Communities.

More free tools: crc-free-tools.netlify.app

Creating Resilient Communities, a trading name of Twelve Thirty Four Consultancy Ltd