Working Capital Runway Calculator
Estimate how many months available cash covers a stated monthly cash use.
What Does the Working Capital Runway Calculator Do?
The Working Capital Runway Calculator divides available cash by monthly cash use to estimate how many months the cash could last. It is a quick check on how much cushion a business has before it considers a working capital line, loan or other financing.
Working Capital Runway Calculator
Illustrative EstimateNo partner account is needed to use this calculator. Add a name only if a banker, CPA or advisor referred you.
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Illustrative Results
Illustrative estimate only. The Chris Mafera Capital Corp. is a commercial financing advisory and brokerage firm, not a direct lender. This is not a financing offer, approval, or commitment.
Inputs, Results and Assumptions
What You Enter
- Available cash: cash on hand you are willing to count.
- Monthly cash use: average monthly cash going out, net of cash coming in if you want to model a net burn.
What the Results Show
- Months of cash: available cash divided by monthly cash use.
- The available cash amount, repeated for reference.
Assumptions and Limits
- Monthly cash use stays constant; seasonality, growth and new revenue are not modeled.
- Monthly cash use must be greater than zero.
- The result is not a forecast and does not indicate whether financing is needed.
The numbers pre-filled in the fields are sample values so the tool shows a result on first load. They are not CMCC rates, quotes or offers.
Working Capital Runway Calculator FAQs
How should I define monthly cash use?
Many owners use average monthly operating expenses plus debt payments. If revenue continues, use net cash outflow instead. Choose one definition and apply it consistently.
How much runway should a business have?
There is no single standard. It depends on the industry, revenue stability and obligations. The working capital guide explains how funding sources think about liquidity.
What financing could help if runway is short?
Options such as working capital financing or a line of credit may be explored depending on the business. See working capital financing. Eligibility and terms vary by funding source.
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