Cash runway is how many months you can keep going before the money runs out. Enter your cash, your monthly costs and any monthly income, and this free calculator shows your runway, which matters a lot for freelancers and small businesses.
| Net cash spent per month | – |
| Money runs out around | – |
How it works
Net monthly cash spent = monthly costs − monthly income. Runway (months) = cash available ÷ net monthly cash spent. If your income is equal to or above your costs, your cash is not running down and the runway has no limit.
The estimate assumes your costs and income stay the same. Real life changes, so check it regularly.
Worked example
You have 12,000, your costs are 3,000 a month and you earn 1,000. You spend a net 2,000 a month, so you have 6 months of runway.
Tips
- Many freelancers aim for three to six months of costs as a safety cushion. Choose a level that suits your risk.
- Use only income you can rely on, not hoped-for projects.
- Invoice promptly and follow up late payments. See how to follow up on an unpaid invoice.
Frequently asked questions
What is a good cash runway?
It depends on your risk and income stability. Many people aim for at least three to six months of costs.
Should I include tax?
Yes. Include the tax you will owe in your costs, or set the money aside separately.
What if my income varies?
Use a cautious average, or run the calculator with a low and a high figure.
More free tools: Break-even calculator · Hourly rate calculator · All free tools
This calculator is general guidance and not financial advice.