Plan your balance to avoid monthly maintenance charges. Test scenarios with daily cashflow timing quickly. Know the least balance that keeps your account compliant.
| Cycle Days | Policy | Req. Average | Req. Minimum | Deposits | Withdrawals | Output |
|---|---|---|---|---|---|---|
| 30 | Average daily | $1,500.00 | $500.00 | Day 1: $2,000.00 | Day 20: $1,600.00 | Start needed: $100.00 (approx.) |
Daily cash flows move the balance curve. With a 30-day cycle, a $2,000 deposit on day 1 and a $1,600 withdrawal on day 20 create an average balance near $1,413 when starting from zero. If the bank requires a $1,500 average and a $500 minimum, only $100 of starting funds lifts every day enough to clear both thresholds.
Average daily balance is the mean of end-of-day balances across the cycle. Because each added dollar of starting balance increases every day equally, the average rises by exactly the same amount. Raising an average requirement from $1,500 to $2,000 therefore increases the computed minimum start by $500, independent of timing. On a 31-day cycle, the same cashflows spread over more days can lower the average, so shortening the cycle or moving deposits earlier often reduces the required starting buffer. Always compare results against your bank’s terms.
Minimum daily balance focuses on the lowest day-end point. One large bill can push the curve below the required floor even when the average appears healthy. If the schedule shows a negative day, treat it as a liquidity gap. Add earlier deposits, delay withdrawals, or increase starting funds until the minimum stays above policy.
Some users also want a closing cushion for the next cycle. The end balance equals starting balance plus total net flows, so the target end value acts like a direct add-on. If net flows total +$400 and you target $300, the end constraint is satisfied; targeting $1,000 requires $600 more at the start.
CSV and PDF exports capture inputs, summary metrics, and the daily schedule. Use them to reconcile the modeled curve with statement snapshots, payroll dates, and recurring bills. When a bank disputes a waiver, the day-by-day table pinpoints the exact date that breached the rule. Save one export per scenario to document revisions.
Banks often use average daily balance, a minimum daily balance, or both. Select the matching policy type so the calculation mirrors how a fee waiver is evaluated during your statement cycle.
If a large deposit arrives early, later withdrawals may still keep balances above the threshold. The calculator finds the smallest start that raises every daily balance enough to satisfy your selected constraints.
Group similar transactions on the same day, such as multiple card spends. Use the rows as summary events; the model converts them into daily net flows and simulates the full schedule.
It ensures you finish the cycle with a cushion. Because end balance shifts one-for-one with the starting balance, a higher target can increase the required start even if fee rules are already met.
Yes. Enter a planned starting balance to see whether the policy is met and whether a maintenance fee would apply. The comparison also estimates end balance after the fee and interest for the cycle.
Not always. Holds, cut-off times, posting order, and compounding conventions can change outcomes. Use the schedule as a planning guide and validate with your bank’s disclosures and your statement history.
Important Note: All the Calculators listed in this site are for educational purpose only and we do not guarentee the accuracy of results. Please do consult with other sources as well.