Whats the fastest approach for this use case - automation loop vs. automation with a script

I currently work on a liquidity planning app. This means a change at one day will cause a recalculation of the following days balance. I tried to do this by calculation fields, but of course always hit the “circular references” wall.

Recommendation is to use automation. I did it, but now every day takes about 1-2 seconds to be recalculated sequentially.

Would a script inside the automation, which collects all following days (0-45) and recalculates and updates the records completely at once be faster than the self triggering automation loop?

(Besides that it might be more stable, as recently a changed calculation field didn’t reliable fire a trigger for an automation).