Project your monthly business cash flow and see how long your current cash reserves will last.
| Month | Inflow | Outflow | Net | Closing Balance |
|---|
Runway (Months) = Current Cash ÷ (Monthly Outflow − Monthly Inflow)
If your monthly inflow exceeds your outflow, your cash balance is growing rather than depleting, and a "runway" in the traditional sense doesn't apply — your business is cash-flow positive.
Profit is an accounting measure that can include non-cash items (like depreciation) or revenue not yet collected (like unpaid invoices). Cash flow tracks actual money moving in and out of your bank account — a profitable business can still run out of cash if customers pay slowly.
This usually happens due to poor cash flow timing — for example, paying suppliers before customers pay you, or rapid growth that requires upfront spending on inventory or staff before the corresponding revenue arrives.
Runway is how many months your business can continue operating at its current burn rate (cash outflow minus inflow) before running out of cash, assuming no additional funding or revenue increase. This calculator shows you that figure.
Yes — loan principal and interest repayments are real cash leaving your business each month, even though only the interest portion typically shows up as an expense on your profit and loss statement.
Cash flow problems are one of the most common reasons small businesses struggle, even when they're profitable on paper. This calculator projects your cash position forward month by month, so you can spot a potential shortfall before it happens and plan accordingly — whether that means cutting costs, chasing receivables, or arranging financing in advance.
