Cash Runway Calculator
This calculator estimates how many months your business can keep operating on the cash it holds today, assuming costs continue to outpace revenue. It is intended for Australian SME owners and their accountants who want a clear read on their cash position without building a full forecast.
Enter all three figures above to see your runway.
How to use this tool
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.
| Metric | Your Result | What It Means |
|---|---|---|
| Net monthly burn rate | Costs − revenue (AUD) | How much cash your business consumes each month after revenue. |
| Months of runway | Cash ÷ net burn | How long current cash lasts at today's burn rate, to one decimal place. |
| Risk rating | Low / Moderate / Elevated / Critical | A plain-English banding of your runway: over 12 months is healthy; under 3 months is critical. |
What this means for your business
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.
Would you like these numbers tracked automatically every month? You can try Offermore free for 14 days, with no credit card required.
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