Business operations
Cash Runway Calculator
Know how many months your cash on hand actually buys — before it's an emergency.
Interactive tool
Cash Runway Calculator
How many months can you operate at current burn? Risk band from strong (12+ months) to critical (under 3). Cash-positive businesses (negative burn) show as "no runway concern."
Total liquid cash across all business accounts.
Monthly expenses MINUS monthly revenue. Positive = cash-negative (need runway). Negative = cash-positive.
Runway
4.2 months
≈ 125 days of operating cushion
Tight — act this week
4.2 months of runway. This is the action zone. Working capital and line-of-credit funding can typically close in 1-2 weeks — start those conversations now, not when runway hits 4 weeks.
Frequently asked
What counts as 'cash on hand' for this calculator?
Total liquid cash across every business account — operating checking, business savings, and any sweep or cash-management balances you could access quickly. Don't include receivables you haven't collected yet or a credit line you haven't drawn; runway measures what you actually have, not what you could borrow.
How is 'monthly burn' different from just looking at expenses?
Burn is net — monthly expenses minus monthly revenue. A business with real revenue coming in has a lower burn (or none at all) than its raw expense line suggests. If revenue exceeds expenses, burn is negative and the calculator reads it as cash-positive, not a runway concern.
What should I do at each runway band?
12+ months (strong): keep growing and monitor. 6–12 months (workable): start a financing or growth plan now — SBA and bank term loans typically take months to close. 3–6 months (tight): this is the action zone; working-capital or line-of-credit products can close in 1–2 weeks. Under 3 months (critical): cut burn aggressively and look at the fastest funding options; avoid stacking new debt on top of an unresolved cash problem.