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How much cover do these cash numbers give me?

Enter your numbers below. Get the answer first, then Koala's next move.

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Numbers to enter
Enter cash the business can actually use, normal monthly cash inflows and normal monthly cash outflows for the same basis and period.

Cash available to fund normal operations.

Use a representative monthly cash-in figure, not an accounting revenue figure if collection timing differs.

Use cash outflows on the same monthly basis as the cash-in figure above.

Koala's Calculated Result
Cash cover from the current cash and monthly shortfall you enter.

Enter the numbers you know

The detailed explanation will appear here once the calculator has a result.

Add the cash available now plus representative monthly cash inflows and outflows.

Koala's Professional Opinion

Give Koala your numbers first

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Definition and method

What this calculator answers

See how many months the cash you enter would cover if your entered monthly cash shortfall stayed constant. MarginKoala does not predict that it will.

Monthly cash shortfall

Monthly cash shortfall = normal monthly cash outflows − normal monthly cash inflows, floored at zero when inflows cover outflows on the entered run rate.

Worked example: your figures

The interactive result above is the worked example. Change any input and the same deterministic engine recomputes the answer; this page does not insert a generic example business or silently treat example values as a benchmark.

  • No market benchmark or outcome is silently inserted by this page.

What should I check next?

Frequently asked questions

What does "cash runway" mean for a small business?

Cash cover is the time the cash you enter would last if the monthly shortfall you enter stayed constant. In this calculator, cover = cash available now ÷ monthly cash shortfall when outflows exceed inflows. It is an owner-entered constant-run-rate scenario, not a prediction.

Cash Cover Scenario

What if my average monthly revenue already covers my expenses?

Use cash inflows and cash outflows on the same basis. If the entered inflows cover the entered outflows, this constant-run-rate model has no cash-depletion countdown; that does not mean future cash is guaranteed or that timing differences cannot create a shortfall.

Cash Cover Scenario

Should I use recent months or a longer average?

Use a period that represents the run-rate you want to plan against. A shorter window reacts faster but can be noisy; a longer window smooths one-offs but can lag recent changes. There is no universal lookback period, so compare multiple defensible windows when the business is changing quickly.

Cash Cover Scenario

When should I revisit my runway number?

Recalculate when cash available, recurring inflows or recurring outflows change materially, and at whatever reporting cadence is useful for the business. The model is a snapshot of the inputs at the time it is run.

Cash Cover Scenario

Educational use, not financial advice. Numbers are estimates for planning; consult a qualified professional before acting on them.