How long does your cash actually last?
Three numbers: what you have, what comes in, what goes out. We show the month the money runs out, and how many months a cost cut buys back.
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Reading your number
Monthly burn = Money out - Money in. Cash runway (months) = Cash on hand / Monthly burn
Runway is how many months your business can run before the cash is gone, if nothing changes. It is the fuel gauge for the whole company. $400,000 in the bank at a $50,000 monthly burn is 8 months, because 400,000 divided by 50,000 is 8. The trap is reading the gauge only when things feel tight. Burn moves quietly, a hire here and a slow-paying customer there, and owners who check once a quarter find out the runway shortened months ago. The other trap is treating profit as cash: you can be profitable on paper and still burn cash while you wait to get paid. The next question a smart operator asks: which single cost, if I cut it today, buys back the most months? Run the cut in the calculator and watch the runway move.
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The other six questions
How the math works
Burn is money out minus money in each month. Runway is the cash you have divided by that burn, which is how many months you can run before the tank is empty if nothing changes. $400,000 of cash at a $50,000 monthly burn is 8 months of runway.
Common questions
How do I calculate my cash runway?
Take your monthly money out, subtract your monthly money in, and that is your burn. Divide your cash on hand by the burn. $400,000 in the bank with $300,000 going out and $250,000 coming in is a $50,000 burn, so 8 months of runway.
How many months of runway should I have?
There is no universal number. Six months is a common comfort line among operators, but the right cushion depends on how steady your revenue is and how fast you could cut costs if you had to. Set your own line, then watch the real number against it.
What is burn rate?
Money going out minus money coming in over a month. If $250,000 comes in and $300,000 goes out, you are burning $50,000 a month. If more comes in than goes out, you are not burning at all, you are building cash.
Built by Finalysis, the financial intelligence platform for owner operators.
This is a planning shape, not a forecast. It assumes money in and money out hold steady, which real months never quite do. Seasonal swings, big invoices, and one time costs all bend the line, so use this to see the size of your cushion, then watch the real number. Nothing you type leaves your device.