Business cash planning tool

How long will your business cash last?

Enter your available cash, average monthly revenue, and average monthly expenses. You will see how many months your cash may last, how much it changes each month, and how much revenue or spending needs to improve.

Your business numbers

Use averages from the latest 3–6 months for a result that better reflects your current situation.

Available cash and large upcoming costs

Cash available now

USD

Include cash in business accounts that is ready to use

Large upcoming cost

USD

For example, equipment, tax, a deposit, or repairs

Start date Used to estimate the date when the cash may run out

Average monthly revenue and expenses

Average monthly revenue

USD

Use the amount you expect to receive, not the total amount invoiced

Fixed monthly expenses

USD

For example, payroll, rent, software, and regular services

Monthly loan and installment payments

USD

Include principal, interest, and other required monthly payments

Other monthly expenses

USD

For example, materials, shipping, fees, advertising, and other costs

How much revenue or spending needs to change each month?

These amounts show the monthly improvement needed to make your cash last longer.

12 months

Increase revenue or reduce expenses by at least $4,167/month

18 months

Increase revenue or reduce expenses by at least $11,111/month

24 months

Increase revenue or reduce expenses by at least $14,583/month

Monthly cash balance

This table shows up to 24 months and assumes revenue and expenses stay the same.

Month	Cash remaining

What does this calculator estimate?

This calculator uses your available cash, average monthly revenue, and average monthly expenses to estimate how many months your business can continue operating and when the cash may run out.

How to read the result

Expenses are higher than revenue: the business uses its cash reserve, so cash falls each month.
Expenses and revenue are equal: available cash stays at about the same level.
Revenue is higher than expenses: cash is left over each month, so the reserve may grow.

The result is an estimate that assumes revenue and expenses stay the same. It does not include seasonal changes, late customer payments, taxes, or unexpected costs. Keep a separate safety reserve when possible.

Business calculators

Three simple tools for VAT and business cash planning.

Calculate the price before VAT

Enter a VAT-inclusive amount to find the price before VAT and the VAT included.

VAT calculator

Calculate VAT using the standard rate or enter a different rate for your country.