Forecasting

Cash runway: the date the money runs out, before it arrives

Startups track runway religiously: months until the cash hits zero. Your personal finances deserve the same number. With a dated ledger, runway stops being an estimate — it is the specific date your projected balance crosses zero, and how deep it goes after.

Calculate your cash runway

  • The exact zero date

    The projection shows the precise day your balance hits zero at current plans.

  • Runway in days and months

    See the horizon — and what changes it: income, spending, or timing.

  • Recompute automatically

    Every new transaction or edit updates the runway instantly.

  • Ask "how long will it last?"

    Pro AI answers in plain language against your whole ledger.

Runway for individuals vs. startups

Startup runwayPersonal runway
QuestionMonths until out of cash?Date balance hits zero?
IncomeForecast revenueSalary, invoices, lumpy payments
SpendBurn rateBills, subscriptions, variable spend
OutputMonths of bufferExact date + depth of the dip

Extend your runway

  1. Cut or pause subscriptions you are not using.
  2. Move discretionary spending after income lands.
  3. Chase late invoices — the projection makes the cost of lateness visible.
  4. Set aside a buffer and watch the zero date move back.

Frequently asked questions

What is cash runway?

The length of time your money lasts at your current rate of spending — measured as the date your projected balance reaches zero.

How do I calculate it?

Enter your balance, expected income and bills with dates; the app projects forward to the zero date automatically.

Is it free?

The core calendar and projection are free forever.

Know the zero date while there is time

Dated projection, free core, no bank linking.

Open Cashflow Calendar