Cash Runway Calculator
Last updated: July 2026
Estimate business cash runway from available cash, recurring revenue, operating expenses, debt payments, planned spending and a minimum reserve.
Estimated cash runway
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- Estimated monthly net cash burn: —
- Cash available above reserve after planned spending: —
- Estimated runway to zero cash: —
- Monthly revenue needed for no burn: —
On this page
Quick summary: Estimate business cash runway from available cash, recurring revenue, operating expenses, debt payments, planned spending and a minimum reserve. Enter the requested values, calculate, review the result, and compare more than one realistic scenario before making a decision.
Read the complete guide
What this calculator estimates
Estimate business cash runway from available cash, recurring revenue, operating expenses, debt payments, planned spending and a minimum reserve. It is designed for fast planning and comparison in the United States. The output is an estimate, not a binding quote, approval, tax determination, insurance offer or professional recommendation.
How to use it
Enter the requested values using a single consistent time period and currency. Select Calculate, review the headline result and supporting figures, then change one assumption at a time to compare another scenario.
How the calculation works
Recurring expenses and debt payments are reduced by recurring cash revenue to estimate monthly net burn. Planned spending and the desired reserve reduce available cash.
Important limitations
Collections timing, seasonality, financing, taxes, payroll cycles, restricted cash and sudden cost changes can make actual runway shorter or longer.
Frequently asked questions
Is the result exact?
No. It is a planning estimate based on the assumptions entered.
Can I compare different scenarios?
Yes. Change one input at a time so you can see which assumption changes the result.
Does the calculator store my inputs?
The calculation runs in the browser and does not require an account. Avoid entering unnecessary confidential information.