Free Tool
Cash Flow Runway Calculator
Enter your current cash balance, monthly revenue, and monthly expenses to find out exactly how many months of runway you have — and when you need to act.
Your Numbers
Cash in bank accounts today
Average monthly cash collected
All outflows: payroll, rent, loans, suppliers
Results
Healthy Runway
11.4
months of runway remaining
Cash-Out Date
March 2027
at current burn rate
Monthly Burn
$7,000
/month deficit
Break-Even Revenue
$42,000
/month needed
Revenue Gap
$7,000
to reach break-even
6-Month Cash Projection
$80k
Now$73k
May$66k
Jun$59k
Jul$52k
Aug$45k
Sep$38k
OctBased on $7,000/month burn. Does not account for revenue growth or expense changes.
Today's Funding Environment
Runway is only half the picture. The other half is whether today is a good time to seek financing. Check the US Business Funding Climate Score — updated every morning from Federal Reserve data — to see whether lending conditions favor or work against you right now.
Exploring your funding options?
Today's funding climate score reflects real Federal Reserve data on lending conditions. When you're ready to research specific options, these resources provide unbiased, official guidance.
SBA Lender Match — SBA.gov
Find SBA-approved lenders free
Business Loan Marketplace — Lendio
Compare 75+ lenders
CFPB Small Business Resources
Official consumer protection guidance
Links marked "Sponsored links" may earn us a referral fee at no cost to you. We only link to established lenders and official government resources. This is not a recommendation to use any specific lender. See our disclosures.
What Lenders Look for in Cash Flow
Most SBA lenders require a debt service coverage ratio (DSCR) of 1.25x — meaning your net operating income must be 1.25 times your annual loan payments. If your runway is below 6 months, DSCR is likely below that threshold.
Invoice factoring and MCAs do not require strong DSCR — they look at your receivables or daily sales instead. But as shown in the MCA calculator, the cost of speed is steep. Use them only when time is the constraint.
Projections are estimates based on constant burn rate. Actual results depend on revenue variability and unplanned expenses. Not financial advice.