Calculate a cash-flow scenario
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| Month | Cash balance | Against your reserve |
|---|
Understand the calculation
Net monthly burn = monthly cash payments − monthly cash collected
Runway to zero = available cash ÷ positive net monthly burn
Time to reserve = max(cash − reserve, 0) ÷ positive net monthly burn
If collections cover payments, the calculator shows “Not declining” rather than an infinite runway. That describes the entered constant-flow scenario; it does not promise that customers will keep paying. If cash is already at or below your chosen reserve, time to that reserve is zero.
For example, cash of ₹5,00,000, payments of ₹1,00,000 and collections of ₹25,000 produce net monthly burn of ₹75,000. Time to zero is about 6.7 months. With a chosen ₹50,000 reserve, time to that buffer is 6 months. These are illustrative amounts, not recommended budgets.
Formula background: cash burn and runway definitions.
Keep the limits beside the result
The calculation treats monthly flows as constant and smoothly spread through time. It does not model the dates of individual bills, delayed collections, seasonal changes, tax payments, new financing or one-off purchases. A positive month-end balance can still conceal a cash shortfall earlier in that month.
The table shows a shortfall when the model falls below zero; negative cash is a funding gap, not usable cash. The display rounds results, while the calculation uses the unrounded inputs. Changing currency changes labels only and does not convert values.
Use a dated cash-flow forecast and suitable professional advice for financial decisions. This free educational tool does not recommend spending, funding or investment choices.
Make the numbers part of a founder conversation
Compare the responsibility and time each founder can realistically contribute with the cash available to support the work. Keep personal income requirements separate from company spending assumptions. Avoid turning an optimistic collection target into a promise to a prospective partner.
Use the agreement discussion planner for practical commitments and the working-trial guide for a small next step. If you are still searching, describe what you can own in your Aspair co-founder introduction.