Free Tool
Business Survival Calculator
Model monthly cash flow and a simple cash runway from your own INR amounts. A constant-cash-flow scenario, not a forecast or a business health verdict.
This version calculates locally. It does not provide AI advice or send your numbers for AI processing. Use available cash after obligations already due. Enter cash actually collected or paid, not unpaid invoices or accounting revenue. Include taxes, debt repayments, inventory, owner withdrawals and other payments in the appropriate total. Do not count a payment twice.
Starting cash and monthly collections are required; zero is valid. Blank payment categories mean zero. Amounts allow up to two decimal places, without commas or currency symbols.
- Available starting cash (INR) is required.
- Cash collected per month (INR) is required.
FAQs
How is the runway calculated?
Monthly net cash flow = cash collected minus total cash paid. When payments exceed collections, runway = available starting cash divided by that monthly shortfall. This assumes the same receipts and payments continue, with no changes or one-off events.
Does a positive result mean the business is profitable or safe?
No. Cash flow is not accounting profit. Payment timing, taxes, debt, restricted cash, future bills, seasonal changes and missing entries can change the picture. This tool cannot predict whether a business will survive or advise which expenses to cut.
What does zero starting cash mean?
With a monthly shortfall, it gives zero months of runway. With no monthly shortfall, this simple model shows no net burn. It does not assess whether you can pay bills before customers pay you. Review a dated cash-flow plan with a qualified adviser before making financial decisions.
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