Normal income
Shows whether your current household and business structure is close to cash-flow balance under conservative income assumptions.
Cash Runway Calculator
Cash Runway Calculator
Model the time your current cash buys you under three income conditions: normal, half income, and zero income. The goal is not to prescribe a magic number of months, but to make your own assumptions visible.
Local browser calculation3 stress scenariosNo signupNot financial advice
Tool
How to read it
Do not rely on one runway number
Income cut in half
Models the time available to react if contracts, sales or salary fall sharply.
Zero income
A simple downside boundary: how much decision time does your current liquid cash buy if no new money arrives?
FAQ
Frequently asked questions
What is cash runway?
Cash runway is the number of months your available cash can cover a projected monthly cash-flow deficit under a stated set of assumptions.
Why separate one-off expenses and a protected reserve?
Known large expenses and money you have explicitly decided not to spend should not be treated as freely available operating cash.
How should I enter irregular income?
Use only high-confidence income as stable income. Put a conservative estimate in variable income, then compare the 50% and zero-income stress scenarios.
Does this tell me how many months of cash I should keep?
No. The appropriate buffer depends on income stability, dependents, debt, insurance, business costs, liquid assets and risk tolerance. The calculator only makes the assumptions explicit.
