Cash runway calculator
How many months will your cash last? Enter your bank balance and your monthly figures.
Average monthly receipts from clients.
Payroll, suppliers, rent, tax and everything else.
The minimum balance you want to stay above.
Your cash runway
6 months
You are spending £15,000 a month more than you receive. At that rate cash runs out around April 2027.
Time until you reach your buffer
4.7 months
If income fell by 10%
5 months
Monthly burn would be £18,000.
Runway is a simple average. Real cash moves in lumps, so the weeks ahead matter more than the monthly figure. Nothing you enter here is sent or stored.
How it works
Runway is your cash divided by your net monthly burn, which is money out minus money in.
If you have £90,000, spend £45,000 a month and receive £30,000 a month, you are burning £15,000 a month, and £90,000 divided by £15,000 is six months.
The stress test lowers your income by the percentage you choose and recalculates, so you can see how exposed you are to a client paying late or leaving. The buffer figure shows how long until you would cross the minimum balance you want to keep.
For the detail behind the number, read cash runway explained. For the week-by-week picture, which is what you need to make decisions, see the 13-week forecast template.
A monthly average hides the tight weeks
Cadence builds your week-by-week forecast from your invoices and bills and warns you when it dips below your buffer.
Start free trialIllustrative calculation, not financial advice.