Cash Runway Calculator
Cash runway is the number of months your business can keep going on the money it holds right now, if costs stay ahead of what is coming in. It is the simplest way to answer the question that tends to keep owners up at night: how long do I actually have? Enter three figures below and you will have that number, plus a sense of how much room you have to act.
Enter all three figures above to see your runway.
What to enter
Start by entering your current cash balance, meaning the money actually available across your business bank accounts. Add your average monthly operating costs and the revenue you expect to collect each month. The calculator subtracts revenue from costs to find your net monthly burn, then divides your cash by that figure to estimate your runway in months. If your revenue already covers your costs, the tool will tell you there is no runway concern on the figures you have provided.
| What we show | How it is worked out | What it tells you |
|---|---|---|
| Net monthly burn rate | Costs − revenue (AUD) | The cash leaving the business each month once revenue is taken off your costs. |
| Months of runway | Cash ÷ net burn | How long that cash lasts at the current burn rate, shown to one decimal place. |
| Risk rating | Low / Moderate / Elevated / Critical | A simple banding of your runway — over 12 months is healthy, under 3 months is critical. |
Reading your runway
Your cash runway is the clearest single measure of how much time you have to act. If the tool shows fewer than three months, treat the result as urgent, because that is the band in which businesses tend to run out of room to negotiate with creditors, raise finance, or restructure on their own terms. A runway of six to twelve months gives you space to make deliberate changes, such as trimming costs, chasing overdue invoices, or lifting prices, before the pressure builds. More than twelve months is a healthy position, though runway can erode quietly as costs rise or a large customer slows down, so it is worth rechecking each month. Bear in mind that this is a snapshot built on the figures you entered, and a single late payment or unexpected bill can shorten it considerably. The most useful habit is to watch the trend rather than today's number, since a runway that is steadily falling is a warning sign well before it reaches a critical level. If other pressures are building alongside a shrinking runway, our guide to the early warning signs your business may be in trouble covers what each signal typically means in practice.
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