Cash Runway

Cash Runway answers the question a business owner asks most: how long does the money last? From your bank, today, and four ways ahead.

What you see

• Your cash: today, net a month, in and out a month, and months of cash if nothing came in.
• The road ahead: the last 12 months, then 24 months ahead at this pace, with revenue down a fifth, costs down a tenth, and revenue stopped.
• How long it lasts under each, and when cash would run out.
• Month by month what each did to cash, where it goes by group, and where the cash is by account.

Set up in two minutes

1. Pick your business bank. You can connect one right there in the install.
2. Install. BankSync sets up your Chart of accounts, Ledger, Business accounts and Entities (shared with Business Finance OS), a sync each morning and the dashboard.
3. Mark transfers between your own accounts as Transfers in the Ledger, so they never read as burn.
4. Switch on the weekly note if you would like cash in your inbox on Mondays.

Good to know

• The pace is the last 3 full months: a big one-off payment in or out moves it.
• The scenarios hold a month steady from today: seasonality, a raise or a new hire are not in them.
• Cash is what your connected accounts hold less what their cards owe; loans, mortgages, investment accounts and retirement accounts are not cash, so they are left out. Money in an account you have not connected is not counted.
• Paying a card from the bank, or moving money between two connected cash accounts, is never money out: the card’s purchases already counted when they were made. A loan repayment, or money moved to an investment or retirement account or to an account you have not connected, is money out.
• Money in another currency than your Ledger’s main one is left out of every total.
• The weekly note arrives on Mondays at 08:00 your time, and only after you switch it on.