Business cash runway calculator
How long the money in the bank lasts if costs carry on and revenue grows at the rate you expect.
How this is calculated
Each month the costs are paid and the revenue comes in, with revenue growing by the monthly rate you enter.
The runway is the number of months until the cash runs out. If revenue covers costs, the cash is not running down.
Rates used · 2026/27
| Net burn | costs less revenue |
| Runway | cash divided by net burn, with growth |
| Common comfort level | six months or more |
| Figures | your own |
Last checked July 2026. Source: HMRC and gov.uk.
Worked example
With £50,000 in the bank, £8,000 of monthly costs and £3,000 of monthly revenue, the business burns £5,000 a month and has 10 months of runway.
Common questions
What is cash runway?
How long a business can keep paying its costs from the cash it has, before it needs more revenue, funding or cuts.
What is burn rate?
How much more cash goes out than comes in each month.
How much runway should a business have?
Many aim for at least six months, because raising money or cutting costs takes time.
Should I count unpaid invoices?
Only when the cash arrives. Late payment is one of the most common reasons runway turns out shorter than expected.