A new hire feels like growth, but it is also a fixed monthly commitment that starts immediately, while the extra revenue usually comes later. A quick affordability check prevents painful surprises.
Count the full cost, not just the salary
Employer contributions, insurance, equipment and workspace typically add 20 to 30 percent on top of gross salary. A €3,500 monthly salary often costs closer to €4,500 all-in. That is the number your cashflow has to carry.
The six-month rule
A practical test: can your business carry the full cost of the hire for six months with zero extra revenue from them? If yes, the hire is safe. If not, you are betting on immediate results, which rarely happen.
Check it against your real numbers
Use your actual cashflow forecast instead of gut feeling. With Finido you can simply ask: can I afford a new employee at €4,500 per month? You get an answer based on your real balance, pipeline and costs.