Cash runway calculator
How many months could your business survive if collections slowed tomorrow? Three numbers, instant answer — nothing you type is stored or sent anywhere.
Why runway, not profit
Plenty of profitable Singapore SMEs run out of cash. Profit is an accounting opinion about a period; cash is what pays salaries on the 28th. Runway — cash on hand divided by your net monthly burn — is the single most honest number about how much time you have to absorb a shock: a key client paying late, a rental increase, a quarter where sales dip.
The calculation is deliberately simple: cash you can actually access, divided by the gap between what goes out and what reliably comes in each month. If more comes in than goes out, your runway is extending — and the better question becomes whether that surplus is working hard enough.
Frequently asked questions
What counts as "cash on hand"?
Money you could actually spend this week: operating bank account balances and genuinely accessible savings. Exclude fixed deposits you would pay a penalty to break, amounts already committed (e.g. GST or CPF you have collected but not yet paid over), and money in personal accounts.
Should I use invoiced sales or collections for cash coming in?
Collections — money that actually lands in the bank each month. Invoiced revenue that has not been paid yet is precisely the gap this calculator exists to expose. If your clients pay on 60–90 day terms, your cash inflow lags your sales, and your runway is shorter than your profit and loss statement suggests.
How much runway should a Singapore SME hold?
There is no single right answer, but under three months is a fragile position for most businesses — one slow quarter or unexpected bill forces reactive decisions. Three to six months covers a bad patch. Six or more months lets you negotiate from strength. Where you should sit depends on how volatile your revenue is and how fixed your costs are.
Is my data stored?
No. The calculation runs entirely in your browser — nothing you type here is sent to or stored on any server.
Runway is one of six pillars in your Financial Health Score. See where your business stands on all of them — free.
Six questions, two minutes. Band-level inputs only.
Figures and thresholds referenced on this page are current as of June 2026. This tool is general information, not financial advice for your specific situation.
The FHS methodology was designed by Joo Leng, CA (Singapore), FCCA — a fractional CFO. Band-level inputs only. PDPA-clean by design.