Break-even & cash

Cash Runway Calculator

If nothing changes, when do I run out of cash?

Profit and cash are different questions. This one is cash: what you have, what comes in, what goes out, and how long that lasts.

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Worked answer10.9 weeksSee it ↓
01

Your numbers

A worked example is already loaded. Replace any field with the figures from the source named beside it.

Cash availableBank account
$38,000.00

Bank balance plus any credit line you would genuinely draw on.

Sales per weekPOS or bank deposits
$31,000.00

Cash actually collected in a typical week.

Cash out per weekBank statement or P&L divided by weeks
$34,500.00

Everything you actually pay in a week: product, payroll, rent accrual, loan payments, and taxes set aside.

02

The answer

Cash runway

10.9 weeks

losing $3,500 per week

  • Weekly shortfall$3,500.00
  • Weekly sales needed to stop the bleed$34,500
  • Extra sales needed per week$3,500.00
  • Or weekly costs must fall to$31,000
  • Days of runway76 days
  • Cash available today$38,000
This assumes nothing changes. Payroll dates, rent timing, and tax deadlines are lumpy, so the real crunch usually arrives before the arithmetic says it will.
03 Show the arithmetic
Net weekly cash = weekly sales − weekly cash out
When negative, runway in weeks = cash available ÷ weekly shortfall
04 What the answer leaves out
  • This is a straight-line model. It does not know about a quarterly tax payment, a seasonal dip, or a supplier tightening terms.
  • Set aside sales tax and payroll tax as cash out even though you have collected it. It is not yours to spend.
Continue if it helps

The number is the start of the decision.