Cash runway calculator
How many months your cash lasts, the month it runs out, and what a hire, a funding round or a slow quarter would change.
Assumptions
Example business — use your numbersPlanned changes
No planned changes. Add a hire, a funding round or a one-off cost on the month it happens.
Stress test
What would extend it?
Cash balance
| Scenario | Runway | Cash runs out | Below minimum | Cash at end |
|---|
Saved in this browser.
Month by month (base case)
Each month’s ending cash is the next month’s opening cash. Red rows are below zero; amber rows are below your minimum.
| Month | Opening cash | Revenue | Expenses | One-time in | One-time out | Net | Ending cash | Notes |
|---|
How the forecast is worked out
Each month
Ending cash = Opening cash + Revenue + One-time in − Expenses − One-time out. Revenue and expenses grow by their monthly rate, compounding from month 1. A change that repeats every month is added from its start month to its end month.
Runway
The first month in which cash reaches zero, counted to a fraction: if cash covers half of that month’s shortfall, the runway ends half-way through it. If cash never reaches zero in the months shown, the answer is “more than” the horizon.
Gross and net burn
Gross burn is all spending in month 1; net burn is spending minus revenue. Cash runs out sooner than “cash ÷ net burn” when costs grow faster than revenue, and later when revenue grows faster.
Stress test
The two extra lines repeat the base case with every month’s revenue lowered, or every month’s recurring costs raised, by the percentages you choose. One-time items are not scaled.
Extending the runway
The cost-cut line repeats the base case with every month’s recurring costs lowered by your percentage. For the target, the planner finds how far the base case falls below your minimum (or below zero) within that many months: that gap is the extra cash needed now. The monthly figure is the smallest steady saving, starting in month 1, that keeps every one of those months above the same line.
This is a planning model built from monthly totals. It does not model when invoices are paid inside a month, taxes, loan repayments, inventory or exchange rates, and it is not financial advice.
Frequently asked questions
What is cash runway?
The time until projected cash first reaches zero. With a constant net burn it is cash divided by monthly net burn; this planner works month by month, so growth, hires, funding and one-off costs change the answer.
What is the difference between gross burn and net burn?
Gross burn is everything you spend in a month. Net burn is spending minus cash coming in from revenue. Runway uses net burn.
Why set a minimum cash balance?
Few businesses can safely reach exactly zero. A minimum balance, for example one month of payroll, shows the earlier month by which you need to act.
How much cash do I need to extend my runway?
Set a target runway in months. The planner finds how far the base case would fall below your minimum cash (or below zero) within that time; that gap is the extra cash needed now. It also shows the smallest steady monthly saving, from more revenue or less spending starting in month 1, that would do the same. Use the cost-cut percentage to see how many months a cut adds.
Does this replace a cash flow forecast?
No. It uses monthly totals. It does not model invoice timing, taxes, debt schedules, inventory or payment terms. Use it to compare decisions, not to replace your accountant's forecast.
Is my financial data saved?
Only in this browser's local storage, so the plan is there when you come back. Nothing is uploaded. Use Clear saved plan to remove it.