Calculator

How Fast Are You Spending Cash?

With $50,000 cash, $20,000 in and $25,000 out, you burn $5,000/month and have about 10 months of runway. If inflow ever dips below outflow, that clock starts ticking immediately.

Results

Visualization

Cashbizly provides illustrative business estimates only. Results depend on your inputs and assumptions and are not accounting, tax, or legal advice. Consult a CPA or financial advisor before major decisions. Tax-year figures (mileage, QBI, SEP, etc.) are labelled by year and should be verified at IRS.gov.

How It Works

Net Burn = Outflow - Inflow. Runway = Cash / Net Burn (when burning). If inflow exceeds outflow, you are cash-flow positive and the runway is infinite — the 'months to surplus' shows how long until a deficit closes. This is the core small-business survival metric.

What Should You Do?

Scenario 1: cutting $1,000/month of outflow extends 10-month runway to 12.5 months. Scenario 2: a $5,000 client payment slipping 30 days can turn a positive month negative. Scenario 3: at break-even (in=out) small shocks decide survival — keep a buffer.

Frequently Asked Questions

What is a healthy burn rate?

One you can fund. The key is runway, not burn alone — 6-12 months of buffer is a common small-business safety target.

Gross vs net burn?

Gross burn is total outflow; net burn is outflow minus inflow. Net is what actually drains cash.

How do I improve it?

Accelerate receivables, slow payables legally, cut fixed costs, or raise prices. See our Cash Flow Forecast and Emergency Fund tools.

Authoritative References

SBA — Cash Flow — Cash-flow and burn management for small business.
Investopedia — Burn Rate — Gross vs net burn and runway.