Free small business calculators
Cash runway calculator
How long until you reach your cash reserve? Use money coming in and going out, not accounting profit.
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A service business example
A consulting firm wants to invest, but its next client payment may arrive late. How much room does it have?
Your calculation
Adjust the inputs, then calculate your result.
How the math works
Net burn = cash outflow − cash inflow. Usable cash = cash balance − reserve, with a minimum of zero. Runway = usable cash / positive net burn.
Monthly cash flows stay constant. Include seasonality, late payments, taxes and new investments in your inputs. The reserve is your choice, not a recommended industry benchmark.