Your cash
$
All business accounts. Leave out an unused line of credit, or add it to see the worst case.
$
Customer payments actually received, not sales invoiced.
$
Payroll, rent, suppliers, loan payments, taxes, owner draws.
% a month
% a month
Runway
Net burn this month
Cash out − cash in
$9,000.00
Months of runway
9.4 months
Cash runs out around
Aug 2027
Six to twelve months. Start on collections, costs or financing now; a loan takes weeks to arrange.
A straight-line projection from the figures you enter. Real months are lumpy: tax payments, annual insurance, seasonal sales. Works in any currency.
Month by month (first 12 months)
| Month ending | Cash in | Cash out | Closing cash |
|---|---|---|---|
| Nov 2026 | $22,000.00 | $31,000.00 | $76,000.00 |
| Dec 2026 | $22,000.00 | $31,000.00 | $67,000.00 |
| Jan 2027 | $22,000.00 | $31,000.00 | $58,000.00 |
| Feb 2027 | $22,000.00 | $31,000.00 | $49,000.00 |
| Mar 2027 | $22,000.00 | $31,000.00 | $40,000.00 |
| Apr 2027 | $22,000.00 | $31,000.00 | $31,000.00 |
| May 2027 | $22,000.00 | $31,000.00 | $22,000.00 |
| Jun 2027 | $22,000.00 | $31,000.00 | $13,000.00 |
| Jul 2027 | $22,000.00 | $31,000.00 | $4,000.00 |
| Aug 2027 | $22,000.00 | $31,000.00 | -$5,000.00 |