Cash Runway Calculator

How to use this tool

Before you start

Purpose

A quick, directional read on how many months of cash runway you have left — and what to do about it in the next 90 days.

What to input

Your current cash balance, monthly fixed and variable expenses, current monthly revenue, and whether you expect revenue to stay flat, grow, or decline.

Where to find the numbers

Cash on hand: your bank balance today. Expenses and revenue: your most recent full month from your bookkeeping or P&L. When in doubt, use trailing-30-day actuals, not projections.

What to expect

Every number recalculates instantly as you type. The Dashboard sets your status and triggers; the 90-Day Action Plan and Founder Summary tabs update with it automatically.

For educational purposes only. This tool is a directional estimate, not financial, tax, or legal advice, and is not a substitute for a full Business Health Assessment.

Inputs

Your numbers

Current cash on hand ($)

Monthly fixed expenses ($)

Monthly variable expenses ($)

Current monthly revenue ($)

Revenue trend assumption

Headline

Where you stand

Estimated Runway (months)

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Net Burn ($/mo)

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Status

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SURVIVAL <3 mo · STABILIZATION 3–6 mo · GROWTH 6+ mo

Scenario Planner

Model a lever

Active scenario

Scenario	Revenue	Fixed	Variable	Gross Burn	Net Burn	Runway	Status	Δ vs Baseline

Biggest runway gain: —

Fastest lever: —

Decision Triggers

What to do at each stage

Your current status opens automatically below. Click any of the three modes to expand it and see its own action list.

SURVIVAL MODE<3 mo

Freeze all discretionary spend
Review payroll and vendor commitments
Accelerate collections (offer early-pay discounts)
Pause non-essential growth bets
Build 13-week cash flow model immediately

STABILIZATION MODE3–6 mo

Reduce burn strategically, variable costs first
Protect margin on existing revenue
Tighten collections and shorten payment terms
Delay non-essential investments
Monitor weekly cash position

GROWTH MODE6+ mo

Build cash reserves toward 6–12 month target
Improve contribution margin
Test pricing increases selectively
Make selective growth investments
Monitor monthly and plan quarterly

90-Day Action Plan

Your survival + scale playbook

Your current mode opens automatically below. Click any of the three modes to expand it and see its own 90-day plan.

SURVIVAL MODE

Objective: Extend runway immediately. Reach 4+ months within 90 days.

Days 1–30

Freeze all non-revenue spend. Build 13-week cash flow. Collect receivables faster. Offer early-pay discounts. Review payroll.

Days 31–60

Cut low-margin services/products. Renegotiate vendor contracts. Finalize headcount decisions if needed.

Days 61–90

Confirm 4+ months runway. Begin pipeline rebuild. Transition to Stabilization Mode if runway improves.

KPI focus

Weekly cash balance, net burn trend, AR aging, payroll coverage weeks.

What to stop doing

Stop hiring. Stop new feature development. Stop conferences/events. Stop chasing new logos — existing customers are your fastest cash source.

STABILIZATION MODE

Objective: Reduce volatility and improve predictability. Reach 6+ months runway.

Days 1–30

Tighten pricing discipline. Clean up recurring expenses. Set up weekly cash monitoring. Audit variable costs.

Days 31–60

Improve margin on existing services. Reduce operational leakage. Renegotiate underperforming contracts.

Days 61–90

Confirm 6+ months runway. Build reserve target. Transition to Growth Mode if stable.

KPI focus

Monthly net burn, gross margin trend, customer retention, cash conversion cycle.

What to stop doing

Stop speculative investments. Stop expanding headcount. Stop underpricing to win volume.

GROWTH MODE

Objective: Scale without creating new cash risk. Maintain 6+ months runway.

Days 1–30

Review growth investments and reserve targets. Test pricing increases selectively. Improve acquisition efficiency.

Days 31–60

Make selective growth investments. Monitor contribution margin. Build toward 12-month reserve target.

Days 61–90

Evaluate new channels or markets. Confirm margin stability. Scale what's working, cut what's not.

KPI focus

Contribution margin, CAC payback, monthly reserve growth, revenue per head.

What to stop doing

Stop growth spending without ROI tracking. Stop ignoring margin compression. Stop treating safe runway as permanent.

Founder Summary

Your 90-Day Survival + Scale Plan

One-Page Executive View

Current cash on hand

—

Net monthly burn

—

Simple runway (months)

—

Estimated Runway (months)

—

Runway status

—

Recommended 90-day mode

—

What the numbers mean

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Best scenario lever

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Next steps

This calculator is a directional decision tool. A Business Health Assessment (BHA) validates the operational, pricing, cash-flow, and margin drivers behind the number and turns the signal into a clear growth plan.

Learn More

Assumptions & limitations

Runway estimates are directional, not a full forecast.
Revenue is treated as cash unless AR timing inputs are used.
Taxes, debt timing, owner draws, and one-time events may change true runway.
Estimated Runway simulates trend-adjusted cash burn month by month and is capped at a 24-month display.
Variable expenses scale proportionally with revenue in both scenario and trend projections.
All scenarios assume immediate effect — real changes take 30–90 days to flow through.
If >30% of revenue is collected 30+ days after sale, real runway may be 1–2 months shorter.

Let's Talk

I'd Like to Chat

Numbers tell you where you stand. A conversation tells you what to do about it. If this changed how you're thinking about the next 90 days, send us your results — a real person at Alchemetrics EQ® will look at your numbers and follow up personally. No obligation, no sales script, just a second set of eyes.

Your name

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This opens a pre-filled email in your own email app, addressed to Alchemetrics EQ® — nothing is sent automatically or stored anywhere until you hit send yourself.