ATLAS / PLANNING TOOLS
Business cash runway calculator.
Estimate how long a cash balance lasts under constant monthly cash receipts and payments, and model the balance after three months.
Is the cash shortage temporary or continuing?
The result assumes receipts and payments repeat at the same monthly level. A business with an ongoing cash deficit needs to consider how it will improve cash generation as well as any funding. Use the weekly forecast for irregular receipts, seasonal expenses or a particular payment deadline.
Model uneven receipts week by weekHow this model works.
Receipts and payments stay constant each month. Values are cash movements, not accounting profit.
Include all relevant payments in your estimate, including wages, operating costs, tax, debt service and one-off costs where appropriate.
No new funding, asset sales, seasonality or irregular payment dates are assumed. A negative projected balance indicates a shortfall, not a permitted overdraft.
ILLUSTRATIVE STARTING ASSUMPTIONS
Start with a scenario, then change it.
The tool opens with these example inputs. They are planning assumptions and do not represent a lender offer.
- Available cash today ($): 90,000
- Expected monthly cash receipts ($): 50,000
- Expected monthly cash payments ($): 65,000
Questions about this tool
How long does the cash buffer last?
This is a rough scenario tool, not a full cash flow forecast. If receipts cover payments, the model shows no ongoing burn; it does not establish that the business is safe from timing gaps.
Does this tool determine approval or borrowing capacity?
No. It models the values you enter. It does not assess credit history, lender eligibility or approval.
Can I change the example assumptions?
Yes. Enter figures from your own scenario or a specific written proposal, and check the model assumptions before relying on the result.
Model methodology describes Atlas’s illustrative calculation, not any provider’s underwriting rules. Check the actual proposal and obtain advice appropriate to your circumstances.