Cash Runway Calculator
Runway is one number: how many months until your cash hits the lowest balance you are willing to hold. Enter the cash you have today, what comes in and goes out each month, a floor you never want to go below and, if you expect it, how much extra cash sales add each month. The calculator shows your net burn, the runway if nothing changes, the runway with the growth you entered and the month cash in first covers cash out. The riskiest input is growth, so run it once at zero. The starting values are examples only.
Enter your cash numbers
The starting values are examples. Calculations stay in your browser.
Runway counts down to the cash floor you set, not to zero. Growth is added as a flat amount each month; real sales rarely move in a straight line. It is a planning number from your inputs, not a forecast.
How the calculation works
- Net burn per month = cash going out − cash coming in.
- Runway if nothing changes = (cash today − cash floor) ÷ net burn.
- With growth, month by month: cash in for month m = cash in now + growth × m; balance = previous balance + cash in − cash out.
- Runway with growth = the number of full months before the balance would fall below the cash floor (capped at 120).
- Break-even month = the first month in which cash in ≥ cash out.
The result is a planning scenario from the numbers you enter. It is not a forecast, a quote or tax advice.
Questions
What is cash runway?
It is the number of months your business can keep paying its bills from the cash it has, at the rate it is spending. A business that takes in more cash than it spends each month is not burning cash, so it has no runway limit from operations.
What should go in cash going out?
Every payment that leaves the bank in a normal month: rent, software, insurance, inventory or materials, contractors, loan payments and the pay you take. Use cash amounts, not accounting profit, and spread yearly bills over twelve months.
Why set a cash floor instead of running to zero?
A bank balance near zero leaves no room for a late customer payment, a repair or a tax bill. The floor is the minimum you want to keep; runway counts down to it so the result shows the time you have to act, not the day the account is empty.
How should I use the growth field?
Enter the extra cash you expect sales to add each month, then compare the result with growth set to zero. If the plan only works with growth, the growth assumption is the one to test first with real orders.
Can I put this calculator on my website?
Yes. Copy the embed code on this page. The embedded version keeps a small credit link to BizAI.
Embed this calculator
Add this free calculator to your blog, course or client resources. Paste the code into an HTML block. It is free to use and keeps a small credit link to BizAI.
Use it with a real business idea
Each of our business idea guides loads this kind of calculator with an example budget and price for that business. Other free tools: Small Business Profit CalculatorBreak-Even CalculatorMarkup and Margin CalculatorHourly Rate CalculatorSmall Business Loan CalculatorStartup Cost CalculatorEvent Pricing CalculatorCustomer Lifetime Value and CAC Calculator.