# Cashflow runway calculator

See how many months your company cash lasts at a given net monthly burn — a quick planning check before you borrow. Runs entirely in your browser.

From Creditcorp, the growing name for the Credicorp group.

## Inputs

- **Current cash balance** — how much cash the company holds today (£).
- **Net monthly burn** — average monthly outgoings minus average monthly inflows (£). Use a positive number if the company is spending more than it earns each month.

## How the calculation works

Formula:

```
runway_months = current_cash / net_monthly_burn
```

A runway of 3 months or less is a common trigger to look at short-term financing options.

## Interpreting the result

| Runway | Signal |
|--------|--------|
| 6+ months | Comfortable — time to plan without urgency |
| 3–6 months | Watch closely — start reviewing options |
| Under 3 months | Act now — explore finance before cash runs out |

This is a planning tool, not financial advice. Actual runway depends on revenue variability, one-off costs and other factors not captured here.

## Links

- [Is short-term borrowing right for you?](/learn/is-short-term-borrowing-right-for-you/)
- [The cash-flow gap explained](/learn/cashflow-gap-explained/)
- [When a short bridge makes sense](/learn/when-a-short-bridge-makes-sense/)
- [Apply at credicorp.co.uk](https://credicorp.co.uk/apply/)