How much cash should a yoga studio keep?

A yoga or pilates studio sells memberships and class packs. Memberships draft monthly. Class packs and intro offers are paid up front for classes taken later. Teachers are often paid per class, and rent is the largest fixed cost.

Payroll per run, all-in $ How often you run payroll Fixed bills per month (rent, loans, insurance, software) $ Days your customers take to pay, on average days Cash in the bank today $

Minimum to keep

Two payroll runs plus one month of fixed bills

Comfortable level

Covers costs while you wait for customers to pay, plus one month

Weeks your cash covers

If no customer paid you

The starting numbers are an example. Replace them with yours.

How cash moves in a yoga studio

Class packs bring cash in before the classes are taken.
Unused classes on expired packs become revenue only once they expire.
Teachers paid per class make payroll follow the schedule.
January brings new students, and spring and summer can thin the schedule.

Why the usual rule falls short

Two studios each take in $25,000 a month. One sells mostly memberships. The other sells ten-class packs. The second has more cash right after a promotion and more classes owed for months after.

How the calculator works

Result	Formula
Minimum to keep	2 × payroll per run + 1 month of fixed bills
Comfortable level	Monthly costs × (days to collect ÷ 30 + 1)
Weeks your cash covers	Cash ÷ weekly costs

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Also for yoga studio owners, see the yoga studio monthly financial report.