Act on the result
Confirm each dated inflow and outflow, then plan before the first buffer breach.
Educational only: Business decision support, not accounting, tax or legal advice.
Privacy: No account is required. Tool inputs and results stay in this browser. Anonymous categorical usage analytics send only governed page, tool, cluster and action identifiers; tool inputs and results are never sent. Error monitoring is disabled. Optional saved state stays only on this device.
Update policy: Reviewed when formulas or official dependencies change.
Scope: Market-neutral small-business planning using your own assumptions.
What this planner helps you decide
Best for
Owners rolling dated cash flows forward to identify a buffer breach and funding gap.
Outputs
Dated closing cash, breach dates, average burn, runway, minimum cash and peak funding gap.
Start here
Enter opening cash and a minimum buffer, then add 1–52 strictly chronological dated rows.
Use a different tool when: Do not use this to compare base, upside and downside monthly budgets to identify annual operating profit, cumulative break-even and the action gap; use Business Budget & Profit Forecast for that decision. Use this tool to identify a dated cash-buffer breach and peak funding gap.
Cash & growth
Cash Runway: dated closing cash
Dated closing cash, breach dates, average burn, runway, minimum cash and peak funding gap.
Amounts use the same currency as your inputs. No currency conversion is performed.
Dated cash assumptions
Add 1–52 strictly chronological real dates. Values stay in this browser.
Your cash runway and funding gap
Exact roll-forward, breach and funding-gap reconciliation.
PDF and CSV exports stay on this device. Clean page links contain no inputs.
- Runway above buffer
- 35 days
- Time-weighted net burn per day
- 14.29
- Average dated cadence
- 28 days
- Minimum closing cash
- 200.00
- Peak funding gap
- 300.00
- First negative period ID
- Not reached in the entered periods
- First negative cash date
- Not reached in the entered periods
- First buffer-breach period ID
- period-2
- First buffer-breach date
- 2026-02-28
- Runway date
- 2026-02-28
| Scenario | User-entered sensitivity | Runway | Peak funding gap |
|---|---|---|---|
| Base | Entered dated cash assumptions. | 35 days | 300.00 |
| Downside | Recurring inflows 10% lower and recurring outflows 10% higher. | 32.56 days | 360.00 |
| Action | Recurring inflows 10% higher and recurring outflows 10% lower. | 37.84 days | 240.00 |
Closing cash is plotted against the entered minimum buffer and zero reference.
Closing cash
- Minimum cash buffer
- 500.00
- Zero cash
- 0.00
| Entered date | Closing cash |
|---|---|
| 2026-01-31 | 900.00 |
| 2026-02-28 (current) | 200.00 |
| Date | Net flow | Closing cash | Buffer gap |
|---|---|---|---|
| 2026-01-31 | -100.00 | 900.00 | 0.00 |
| 2026-02-28 | -700.00 | 200.00 | 300.00 |
Calculation details
View calculation detailsView the formulas and inputs used for these results.
Runway above buffer
Runway above buffer
max(0, opening cash − buffer) ÷ time-weighted net burn per day35 daysResult35 days
Uses exact dated endpoints; the first row duration is inferred from the first two endpoints, then later rows use their actual elapsed days. Raw precision is retained before display formatting.
Cash Runway Planner formulas →Inputs used by these formula steps
- Runway above bufferOpening Cash
- 1,000
- Runway above bufferMinimum Cash Buffer
- 500
Time-weighted net burn per day
Time-weighted net burn per day
sum(negative net cash flow) ÷ total inferred dated duration14.29Result14.29
Uses exact dated endpoints; the first row duration is inferred from the first two endpoints, then later rows use their actual elapsed days. Raw precision is retained before display formatting.
Cash Runway Planner formulas →Inputs used by these formula steps
- Time-weighted net burn per dayOpening Cash
- 1,000
- Time-weighted net burn per dayMinimum Cash Buffer
- 500
Average dated cadence
Average dated cadence
total inferred dated duration ÷ dated row count28 daysResult28 days
Uses exact dated endpoints; the first row duration is inferred from the first two endpoints, then later rows use their actual elapsed days. Raw precision is retained before display formatting.
Cash Runway Planner formulas →Inputs used by these formula steps
- Average dated cadenceOpening Cash
- 1,000
- Average dated cadenceMinimum Cash Buffer
- 500
Minimum closing cash
Minimum closing cash
minimum of dated closing cash balances200.00Result200.00
Uses exact dated endpoints; the first row duration is inferred from the first two endpoints, then later rows use their actual elapsed days. Raw precision is retained before display formatting.
Cash Runway Planner formulas →Inputs used by these formula steps
- Minimum closing cashOpening Cash
- 1,000
- Minimum closing cashMinimum Cash Buffer
- 500
Peak funding gap
Peak funding gap
maximum of buffer gap and cash below zero300.00Result300.00
Uses exact dated endpoints; the first row duration is inferred from the first two endpoints, then later rows use their actual elapsed days. Raw precision is retained before display formatting.
Cash Runway Planner formulas →Inputs used by these formula steps
- Peak funding gapOpening Cash
- 1,000
- Peak funding gapMinimum Cash Buffer
- 500
First negative period ID
First negative period ID
first chronological row satisfying the declared cash or buffer condition textResultNot reached in the entered periods
Found from the exact chronological roll-forward.
Cash Runway Planner formulas →Inputs used by these formula steps
- First negative period IDMinimum Cash Buffer
- 500
First negative cash date
First negative cash date
first chronological row satisfying the declared cash or buffer condition textResultNot reached in the entered periods
Found from the exact chronological roll-forward.
Cash Runway Planner formulas →Inputs used by these formula steps
- First negative cash dateMinimum Cash Buffer
- 500
First buffer-breach period ID
First buffer-breach period ID
first chronological row satisfying the declared cash or buffer conditionperiod-2Resultperiod-2
Found from the exact chronological roll-forward.
Cash Runway Planner formulas →Inputs used by these formula steps
- First buffer-breach period IDMinimum Cash Buffer
- 500
First buffer-breach date
First buffer-breach date
first chronological row satisfying the declared cash or buffer condition2026-02-28Result2026-02-28
Found from the exact chronological roll-forward.
Cash Runway Planner formulas →Inputs used by these formula steps
- First buffer-breach dateMinimum Cash Buffer
- 500
Runway date
Runway date
first chronological row satisfying the declared cash or buffer condition2026-02-28Result2026-02-28
Found from the exact chronological roll-forward.
Cash Runway Planner formulas →Inputs used by these formula steps
- Runway dateMinimum Cash Buffer
- 500
Period 1 net cash flow
Period 1 net cash flow
recurring inflows + one-off inflows − recurring outflows − one-off outflows-100.00Result-100.00
Exact dated row 2026-01-31. Raw precision retained.
Cash Runway Planner formulas →Inputs used by these formula steps
- Period 1 net cash flowId
- period-1
- Period 1 net cash flowDate
- 2026-01-31
- Period 1 net cash flowRecurring Inflows
- 100
- Period 1 net cash flowRecurring Outflows
- 200
- Period 1 net cash flowOne Off Inflows
- 0
- Period 1 net cash flowOne Off Outflows
- 0
Period 1 closing cash
Period 1 closing cash
prior closing cash + net cash flow900.00Result900.00
Exact dated row 2026-01-31. Raw precision retained.
Cash Runway Planner formulas →Inputs used by these formula steps
- Period 1 closing cashPrior Closing Cash
- 1,000
- Period 1 closing cashNet Cash Flow
- -100
Period 1 buffer gap
Period 1 buffer gap
max(0, minimum cash buffer − closing cash)0.00Result0.00
Exact dated row 2026-01-31. Raw precision retained.
Cash Runway Planner formulas →Inputs used by these formula steps
- Period 1 buffer gapMinimum Cash Buffer
- 500
- Period 1 buffer gapClosing Cash
- 900
Period 2 net cash flow
Period 2 net cash flow
recurring inflows + one-off inflows − recurring outflows − one-off outflows-700.00Result-700.00
Exact dated row 2026-02-28. Raw precision retained.
Cash Runway Planner formulas →Inputs used by these formula steps
- Period 2 net cash flowId
- period-2
- Period 2 net cash flowDate
- 2026-02-28
- Period 2 net cash flowRecurring Inflows
- 100
- Period 2 net cash flowRecurring Outflows
- 200
- Period 2 net cash flowOne Off Inflows
- 0
- Period 2 net cash flowOne Off Outflows
- 600
Period 2 closing cash
Period 2 closing cash
prior closing cash + net cash flow200.00Result200.00
Exact dated row 2026-02-28. Raw precision retained.
Cash Runway Planner formulas →Inputs used by these formula steps
- Period 2 closing cashPrior Closing Cash
- 900
- Period 2 closing cashNet Cash Flow
- -700
Period 2 buffer gap
Period 2 buffer gap
max(0, minimum cash buffer − closing cash)300.00Result300.00
Exact dated row 2026-02-28. Raw precision retained.
Cash Runway Planner formulas →Inputs used by these formula steps
- Period 2 buffer gapMinimum Cash Buffer
- 500
- Period 2 buffer gapClosing Cash
- 200
Base runway
Base runway
exact cash-runway engine applied to the named scenario rows35 daysResult35 days
Entered dated cash assumptions. Raw precision retained.
Cash Runway Planner formulas →Inputs used by these formula steps
- Base runwayDownside Adjustment Percent
- 10
- Base runwayAction Adjustment Percent
- 10
Base peak funding gap
Base peak funding gap
exact cash-runway engine applied to the named scenario rows300.00Result300.00
Entered dated cash assumptions. Raw precision retained.
Cash Runway Planner formulas →Inputs used by these formula steps
- Base peak funding gapDownside Adjustment Percent
- 10
- Base peak funding gapAction Adjustment Percent
- 10
Downside runway
Downside runway
exact cash-runway engine applied to the named scenario rows32.56 daysResult32.56 days
Recurring inflows 10% lower and recurring outflows 10% higher. Raw precision retained.
Cash Runway Planner formulas →Inputs used by these formula steps
- Downside runwayDownside Adjustment Percent
- 10
- Downside runwayAction Adjustment Percent
- 10
Downside peak funding gap
Downside peak funding gap
exact cash-runway engine applied to the named scenario rows360.00Result360.00
Recurring inflows 10% lower and recurring outflows 10% higher. Raw precision retained.
Cash Runway Planner formulas →Inputs used by these formula steps
- Downside peak funding gapDownside Adjustment Percent
- 10
- Downside peak funding gapAction Adjustment Percent
- 10
Action runway
Action runway
exact cash-runway engine applied to the named scenario rows37.84 daysResult37.84 days
Recurring inflows 10% higher and recurring outflows 10% lower. Raw precision retained.
Cash Runway Planner formulas →Inputs used by these formula steps
- Action runwayDownside Adjustment Percent
- 10
- Action runwayAction Adjustment Percent
- 10
Action peak funding gap
Action peak funding gap
exact cash-runway engine applied to the named scenario rows240.00Result240.00
Recurring inflows 10% higher and recurring outflows 10% lower. Raw precision retained.
Cash Runway Planner formulas →Inputs used by these formula steps
- Action peak funding gapDownside Adjustment Percent
- 10
- Action peak funding gapAction Adjustment Percent
- 10
Inputs used
- Opening cash
- 1,000
- Minimum cash buffer
- 500
- Downside recurring adjustment
- 10
- Action recurring adjustment
- 10
Burn-rate summary module
Separate recurring and one-off cash use independently. This module inherits the cash-runway route, methodology, state, trace and PDF.
- Gross recurring burn
- 3,000.00
- Net recurring burn
- 1,000.00
- One-off-adjusted net burn
- 2,000.00
- Adjusted runway
- 4.00
- Horizon closing cash
- 4,000.00
Calculation details
View calculation detailsView the formulas and inputs used for these results.
Gross recurring burn
Gross recurring burn
recurring outflows per period3,000.00Result3,000.00
Uses the six independent assumptions in this owner-internal summary module. Raw precision is retained before display formatting.
Cash runway and burn-rate formulas →Inputs used by these formula steps
- Gross recurring burnOpening Cash
- 10,000
- Gross recurring burnRecurring Inflows Per Period
- 2,000
- Gross recurring burnRecurring Outflows Per Period
- 3,000
- Gross recurring burnOne Off Outflows In Horizon
- 3,000
- Gross recurring burnHorizon Periods
- 3
- Gross recurring burnMinimum Cash Buffer
- 2,000
Net recurring burn
Net recurring burn
recurring outflows − recurring inflows1,000.00Result1,000.00
Uses the six independent assumptions in this owner-internal summary module. Raw precision is retained before display formatting.
Cash runway and burn-rate formulas →Inputs used by these formula steps
- Net recurring burnOpening Cash
- 10,000
- Net recurring burnRecurring Inflows Per Period
- 2,000
- Net recurring burnRecurring Outflows Per Period
- 3,000
- Net recurring burnOne Off Outflows In Horizon
- 3,000
- Net recurring burnHorizon Periods
- 3
- Net recurring burnMinimum Cash Buffer
- 2,000
One-off-adjusted net burn
One-off-adjusted net burn
net burn + one-off outflows ÷ horizon periods2,000.00Result2,000.00
Uses the six independent assumptions in this owner-internal summary module. Raw precision is retained before display formatting.
Cash runway and burn-rate formulas →Inputs used by these formula steps
- One-off-adjusted net burnOpening Cash
- 10,000
- One-off-adjusted net burnRecurring Inflows Per Period
- 2,000
- One-off-adjusted net burnRecurring Outflows Per Period
- 3,000
- One-off-adjusted net burnOne Off Outflows In Horizon
- 3,000
- One-off-adjusted net burnHorizon Periods
- 3
- One-off-adjusted net burnMinimum Cash Buffer
- 2,000
Adjusted runway
Adjusted runway
(opening cash − buffer) ÷ adjusted net burn4 periodsResult4.00
Uses the six independent assumptions in this owner-internal summary module. Raw precision is retained before display formatting.
Cash runway and burn-rate formulas →Inputs used by these formula steps
- Adjusted runwayOpening Cash
- 10,000
- Adjusted runwayRecurring Inflows Per Period
- 2,000
- Adjusted runwayRecurring Outflows Per Period
- 3,000
- Adjusted runwayOne Off Outflows In Horizon
- 3,000
- Adjusted runwayHorizon Periods
- 3
- Adjusted runwayMinimum Cash Buffer
- 2,000
Horizon closing cash
Horizon closing cash
opening cash − adjusted net burn × horizon periods4,000.00Result4,000.00
Uses the six independent assumptions in this owner-internal summary module. Raw precision is retained before display formatting.
Cash runway and burn-rate formulas →Inputs used by these formula steps
- Horizon closing cashOpening Cash
- 10,000
- Horizon closing cashRecurring Inflows Per Period
- 2,000
- Horizon closing cashRecurring Outflows Per Period
- 3,000
- Horizon closing cashOne Off Outflows In Horizon
- 3,000
- Horizon closing cashHorizon Periods
- 3
- Horizon closing cashMinimum Cash Buffer
- 2,000
Inputs used
- Opening cash
- 10,000
- Recurring inflows per period
- 2,000
- Recurring outflows per period
- 3,000
- One-off outflows in horizon
- 3,000
- Horizon periods
- 3
- Minimum cash buffer
- 2,000
Seasonal cash buffer scenario
Roll explicit high- and low-season cash rows forward to find the reserve needed at the trough. This is part of Cash Runway and has no standalone route.
- Required opening reserve
- 1,600
- Additional reserve gap
- 1,100
- Trough date
- 2026-03-31
- Trough closing cash
- -600
- Ending cash
- -300
Calculation details
View calculation detailsView the formulas and inputs used for these results.
Required opening reserve
Required opening reserve
minimum cash balance − minimum of zero and the lowest cumulative net cash flow1,600Result1,600.00
Uses the explicit user-entered owner-module scenario. Raw engine precision is retained until display.
Cash runway owner-module formulas →Inputs used by these formula steps
- Required opening reserveCurrent Reserve
- 500
- Required opening reserveMinimum Cash Balance
- 500
- Required opening reserveP1 Date
- 2026-01-31
- Required opening reserveP1 Inflows
- 1,200
- Required opening reserveP1 Outflows
- 1,000
- Required opening reserveP2 Date
- 2026-02-28
- Required opening reserveP2 Inflows
- 500
- Required opening reserveP2 Outflows
- 1,000
- Required opening reserveP3 Date
- 2026-03-31
- Required opening reserveP3 Inflows
- 200
- Required opening reserveP3 Outflows
- 1,000
- Required opening reserveP4 Date
- 2026-04-30
- Required opening reserveP4 Inflows
- 1,300
- Required opening reserveP4 Outflows
- 1,000
Additional reserve gap
Additional reserve gap
maximum of zero and required opening reserve − current reserve1,100Result1,100.00
Uses the explicit user-entered owner-module scenario. Raw engine precision is retained until display.
Cash runway owner-module formulas →Inputs used by these formula steps
- Additional reserve gapCurrent Reserve
- 500
- Additional reserve gapMinimum Cash Balance
- 500
- Additional reserve gapP1 Date
- 2026-01-31
- Additional reserve gapP1 Inflows
- 1,200
- Additional reserve gapP1 Outflows
- 1,000
- Additional reserve gapP2 Date
- 2026-02-28
- Additional reserve gapP2 Inflows
- 500
- Additional reserve gapP2 Outflows
- 1,000
- Additional reserve gapP3 Date
- 2026-03-31
- Additional reserve gapP3 Inflows
- 200
- Additional reserve gapP3 Outflows
- 1,000
- Additional reserve gapP4 Date
- 2026-04-30
- Additional reserve gapP4 Inflows
- 1,300
- Additional reserve gapP4 Outflows
- 1,000
Trough date
Trough date
date of the lowest exact closing cash2026-03-31Result2026-03-31
Uses the explicit user-entered owner-module scenario. Raw engine precision is retained until display.
Cash runway owner-module formulas →Inputs used by these formula steps
- Trough dateCurrent Reserve
- 500
- Trough dateMinimum Cash Balance
- 500
- Trough dateP1 Date
- 2026-01-31
- Trough dateP1 Inflows
- 1,200
- Trough dateP1 Outflows
- 1,000
- Trough dateP2 Date
- 2026-02-28
- Trough dateP2 Inflows
- 500
- Trough dateP2 Outflows
- 1,000
- Trough dateP3 Date
- 2026-03-31
- Trough dateP3 Inflows
- 200
- Trough dateP3 Outflows
- 1,000
- Trough dateP4 Date
- 2026-04-30
- Trough dateP4 Inflows
- 1,300
- Trough dateP4 Outflows
- 1,000
Trough closing cash
Trough closing cash
minimum closing cash from the exact cash-runway roll-forward-600Result-600.00
Uses the explicit user-entered owner-module scenario. Raw engine precision is retained until display.
Cash runway owner-module formulas →Inputs used by these formula steps
- Trough closing cashCurrent Reserve
- 500
- Trough closing cashMinimum Cash Balance
- 500
- Trough closing cashP1 Date
- 2026-01-31
- Trough closing cashP1 Inflows
- 1,200
- Trough closing cashP1 Outflows
- 1,000
- Trough closing cashP2 Date
- 2026-02-28
- Trough closing cashP2 Inflows
- 500
- Trough closing cashP2 Outflows
- 1,000
- Trough closing cashP3 Date
- 2026-03-31
- Trough closing cashP3 Inflows
- 200
- Trough closing cashP3 Outflows
- 1,000
- Trough closing cashP4 Date
- 2026-04-30
- Trough closing cashP4 Inflows
- 1,300
- Trough closing cashP4 Outflows
- 1,000
Ending cash
Ending cash
final exact cash-runway closing cash-300Result-300.00
Uses the explicit user-entered owner-module scenario. Raw engine precision is retained until display.
Cash runway owner-module formulas →Inputs used by these formula steps
- Ending cashCurrent Reserve
- 500
- Ending cashMinimum Cash Balance
- 500
- Ending cashP1 Date
- 2026-01-31
- Ending cashP1 Inflows
- 1,200
- Ending cashP1 Outflows
- 1,000
- Ending cashP2 Date
- 2026-02-28
- Ending cashP2 Inflows
- 500
- Ending cashP2 Outflows
- 1,000
- Ending cashP3 Date
- 2026-03-31
- Ending cashP3 Inflows
- 200
- Ending cashP3 Outflows
- 1,000
- Ending cashP4 Date
- 2026-04-30
- Ending cashP4 Inflows
- 1,300
- Ending cashP4 Outflows
- 1,000
Inputs used
- Current reserve
- 500
- Minimum cash balance
- 500
- Period 1 date
- 2026-01-31
- Period 1 inflows
- 1,200
- Period 1 outflows
- 1,000
- Period 2 date
- 2026-02-28
- Period 2 inflows
- 500
- Period 2 outflows
- 1,000
- Period 3 date
- 2026-03-31
- Period 3 inflows
- 200
- Period 3 outflows
- 1,000
- Period 4 date
- 2026-04-30
- Period 4 inflows
- 1,300
- Period 4 outflows
- 1,000
Business cash reserve target scenario
Reconcile a user-chosen essential-outflow coverage amount with an explicit downside cash scenario. Margin101 does not recommend a months-of-cash benchmark.
- Coverage-method reserve
- 35,000
- Seasonal-scenario reserve
- 19,000
- Transparent reserve target
- 35,000
- Current reserve gap
- 15,000
- Current reserve surplus
- 0
- Covered essential-outflow periods
- 1.5
- Downside scenario trough date
- 2026-02-28
Calculation details
View calculation detailsView the formulas and inputs used for these results.
Coverage-method reserve
Coverage-method reserve
essential outflows per period × chosen coverage periods + known one-off outflows35,000Result35,000.00
Uses the explicit user-entered owner-module scenario. Raw engine precision is retained until display.
Cash runway owner-module formulas →Inputs used by these formula steps
- Coverage-method reserveEssential Outflows Per Period
- 10,000
- Coverage-method reserveTarget Coverage Periods
- 3
- Coverage-method reserveKnown One Off Outflows
- 5,000
- Coverage-method reserveCurrent Reserve
- 20,000
- Coverage-method reserveMinimum Operational Balance
- 5,000
- Coverage-method reserveP1 Date
- 2026-01-31
- Coverage-method reserveP1 Inflows
- 4,000
- Coverage-method reserveP1 Outflows
- 10,000
- Coverage-method reserveP2 Date
- 2026-02-28
- Coverage-method reserveP2 Inflows
- 2,000
- Coverage-method reserveP2 Outflows
- 10,000
Seasonal-scenario reserve
Seasonal-scenario reserve
minimum operating balance − minimum of zero and the lowest cumulative scenario cash flow19,000Result19,000.00
Uses the explicit user-entered owner-module scenario. Raw engine precision is retained until display.
Cash runway owner-module formulas →Inputs used by these formula steps
- Seasonal-scenario reserveEssential Outflows Per Period
- 10,000
- Seasonal-scenario reserveTarget Coverage Periods
- 3
- Seasonal-scenario reserveKnown One Off Outflows
- 5,000
- Seasonal-scenario reserveCurrent Reserve
- 20,000
- Seasonal-scenario reserveMinimum Operational Balance
- 5,000
- Seasonal-scenario reserveP1 Date
- 2026-01-31
- Seasonal-scenario reserveP1 Inflows
- 4,000
- Seasonal-scenario reserveP1 Outflows
- 10,000
- Seasonal-scenario reserveP2 Date
- 2026-02-28
- Seasonal-scenario reserveP2 Inflows
- 2,000
- Seasonal-scenario reserveP2 Outflows
- 10,000
Transparent reserve target
Transparent reserve target
maximum of coverage-method reserve and seasonal-scenario reserve35,000Result35,000.00
Uses the explicit user-entered owner-module scenario. Raw engine precision is retained until display.
Cash runway owner-module formulas →Inputs used by these formula steps
- Transparent reserve targetEssential Outflows Per Period
- 10,000
- Transparent reserve targetTarget Coverage Periods
- 3
- Transparent reserve targetKnown One Off Outflows
- 5,000
- Transparent reserve targetCurrent Reserve
- 20,000
- Transparent reserve targetMinimum Operational Balance
- 5,000
- Transparent reserve targetP1 Date
- 2026-01-31
- Transparent reserve targetP1 Inflows
- 4,000
- Transparent reserve targetP1 Outflows
- 10,000
- Transparent reserve targetP2 Date
- 2026-02-28
- Transparent reserve targetP2 Inflows
- 2,000
- Transparent reserve targetP2 Outflows
- 10,000
Current reserve gap
Current reserve gap
maximum of zero and reserve target − current reserve15,000Result15,000.00
Uses the explicit user-entered owner-module scenario. Raw engine precision is retained until display.
Cash runway owner-module formulas →Inputs used by these formula steps
- Current reserve gapEssential Outflows Per Period
- 10,000
- Current reserve gapTarget Coverage Periods
- 3
- Current reserve gapKnown One Off Outflows
- 5,000
- Current reserve gapCurrent Reserve
- 20,000
- Current reserve gapMinimum Operational Balance
- 5,000
- Current reserve gapP1 Date
- 2026-01-31
- Current reserve gapP1 Inflows
- 4,000
- Current reserve gapP1 Outflows
- 10,000
- Current reserve gapP2 Date
- 2026-02-28
- Current reserve gapP2 Inflows
- 2,000
- Current reserve gapP2 Outflows
- 10,000
Current reserve surplus
Current reserve surplus
maximum of zero and current reserve − reserve target0Result0.00
Uses the explicit user-entered owner-module scenario. Raw engine precision is retained until display.
Cash runway owner-module formulas →Inputs used by these formula steps
- Current reserve surplusEssential Outflows Per Period
- 10,000
- Current reserve surplusTarget Coverage Periods
- 3
- Current reserve surplusKnown One Off Outflows
- 5,000
- Current reserve surplusCurrent Reserve
- 20,000
- Current reserve surplusMinimum Operational Balance
- 5,000
- Current reserve surplusP1 Date
- 2026-01-31
- Current reserve surplusP1 Inflows
- 4,000
- Current reserve surplusP1 Outflows
- 10,000
- Current reserve surplusP2 Date
- 2026-02-28
- Current reserve surplusP2 Inflows
- 2,000
- Current reserve surplusP2 Outflows
- 10,000
Covered essential-outflow periods
Covered essential-outflow periods
maximum of zero and current reserve − known one-off outflows, divided by essential outflows per period when essential outflows are positive1.5Result1.5
Uses the explicit user-entered owner-module scenario. Raw engine precision is retained until display.
Cash runway owner-module formulas →Inputs used by these formula steps
- Covered essential-outflow periodsEssential Outflows Per Period
- 10,000
- Covered essential-outflow periodsTarget Coverage Periods
- 3
- Covered essential-outflow periodsKnown One Off Outflows
- 5,000
- Covered essential-outflow periodsCurrent Reserve
- 20,000
- Covered essential-outflow periodsMinimum Operational Balance
- 5,000
- Covered essential-outflow periodsP1 Date
- 2026-01-31
- Covered essential-outflow periodsP1 Inflows
- 4,000
- Covered essential-outflow periodsP1 Outflows
- 10,000
- Covered essential-outflow periodsP2 Date
- 2026-02-28
- Covered essential-outflow periodsP2 Inflows
- 2,000
- Covered essential-outflow periodsP2 Outflows
- 10,000
Downside scenario trough date
Downside scenario trough date
date of the lowest cumulative downside scenario cash position2026-02-28Result2026-02-28
Uses the explicit user-entered owner-module scenario. Raw engine precision is retained until display.
Cash runway owner-module formulas →Inputs used by these formula steps
- Downside scenario trough dateEssential Outflows Per Period
- 10,000
- Downside scenario trough dateTarget Coverage Periods
- 3
- Downside scenario trough dateKnown One Off Outflows
- 5,000
- Downside scenario trough dateCurrent Reserve
- 20,000
- Downside scenario trough dateMinimum Operational Balance
- 5,000
- Downside scenario trough dateP1 Date
- 2026-01-31
- Downside scenario trough dateP1 Inflows
- 4,000
- Downside scenario trough dateP1 Outflows
- 10,000
- Downside scenario trough dateP2 Date
- 2026-02-28
- Downside scenario trough dateP2 Inflows
- 2,000
- Downside scenario trough dateP2 Outflows
- 10,000
Inputs used
- Essential outflows per period
- 10,000
- Chosen coverage periods
- 3
- Known one-off outflows
- 5,000
- Current reserve
- 20,000
- Minimum operational balance
- 5,000
- Period 1 date
- 2026-01-31
- Period 1 inflows
- 4,000
- Period 1 outflows
- 10,000
- Period 2 date
- 2026-02-28
- Period 2 inflows
- 2,000
- Period 2 outflows
- 10,000
Open this calculator with preset values
This calculator supports documented, shareable scenario URLs. Compatible assistants and applications can construct links using the parameters below.
Scenario links contain only allowlisted numeric and closed-choice inputs shown in the URL; Margin101 excludes free text and identifying fields. Anyone you share the URL with can read those numbers, so do not include private or identifying data.
| Parameter | Meaning | Unit | Allowed values | Presence | Default |
|---|---|---|---|---|---|
| openingCash | Cash available before the first dated period. | currency units at the start of period 1 | number | Required | 1000 |
| minimumCashBuffer | Minimum cash balance the scenario aims to protect. | currency units retained as the minimum closing balance | number | Required | 500 |
| downsideAdjustmentPercent | Downside percentage applied to recurring inflows and outflows. | percentage points from 0 to 100 | 0 to 100 | Required | 10 |
| actionAdjustmentPercent | Action-case percentage applied to recurring inflows and outflows. | percentage points from 0 to 100 | 0 to 100 | Required | 10 |
| count | Number of consecutive dated cash-flow rows encoded in the URL. | dated cash-flow periods | 2 to 52 | Required | 2 |
| p1date | Period 1 cash-flow date. Required when count is at least 1. | ISO calendar date | Value matching ^\d{4}-(?:0[1-9]|1[0-2])-(?:0[1-9]|[12]\d|3[01])$ | Optional | 2026-01-31 |
| p1ri | Recurring cash inflow for period 1. Required when count is at least 1. | currency units/period recurring inflow | number | Optional | 100 |
| p1ro | Recurring cash outflow for period 1. Required when count is at least 1. | currency units/period recurring outflow | number | Optional | 200 |
| p1oi | One-off cash inflow for period 1. Required when count is at least 1. | currency units/period one-off inflow | number | Optional | 0 |
| p1oo | One-off cash outflow for period 1. Required when count is at least 1. | currency units/period one-off outflow | number | Optional | 0 |
| p2date | Period 2 cash-flow date. Required when count is at least 2. | ISO calendar date | Value matching ^\d{4}-(?:0[1-9]|1[0-2])-(?:0[1-9]|[12]\d|3[01])$ | Optional | 2026-02-28 |
| p2ri | Recurring cash inflow for period 2. Required when count is at least 2. | currency units/period recurring inflow | number | Optional | 100 |
| p2ro | Recurring cash outflow for period 2. Required when count is at least 2. | currency units/period recurring outflow | number | Optional | 200 |
| p2oi | One-off cash inflow for period 2. Required when count is at least 2. | currency units/period one-off inflow | number | Optional | 0 |
| p2oo | One-off cash outflow for period 2. Required when count is at least 2. | currency units/period one-off outflow | number | Optional | 600 |
| p3date | Period 3 cash-flow date. Required when count is at least 3. | ISO calendar date | Value matching ^\d{4}-(?:0[1-9]|1[0-2])-(?:0[1-9]|[12]\d|3[01])$ | Optional | — |
| p3ri | Recurring cash inflow for period 3. Required when count is at least 3. | currency units/period recurring inflow | number | Optional | — |
| p3ro | Recurring cash outflow for period 3. Required when count is at least 3. | currency units/period recurring outflow | number | Optional | — |
| p3oi | One-off cash inflow for period 3. Required when count is at least 3. | currency units/period one-off inflow | number | Optional | — |
| p3oo | One-off cash outflow for period 3. Required when count is at least 3. | currency units/period one-off outflow | number | Optional | — |
| p4date | Period 4 cash-flow date. Required when count is at least 4. | ISO calendar date | Value matching ^\d{4}-(?:0[1-9]|1[0-2])-(?:0[1-9]|[12]\d|3[01])$ | Optional | — |
| p4ri | Recurring cash inflow for period 4. Required when count is at least 4. | currency units/period recurring inflow | number | Optional | — |
| p4ro | Recurring cash outflow for period 4. Required when count is at least 4. | currency units/period recurring outflow | number | Optional | — |
| p4oi | One-off cash inflow for period 4. Required when count is at least 4. | currency units/period one-off inflow | number | Optional | — |
| p4oo | One-off cash outflow for period 4. Required when count is at least 4. | currency units/period one-off outflow | number | Optional | — |
| p5date | Period 5 cash-flow date. Required when count is at least 5. | ISO calendar date | Value matching ^\d{4}-(?:0[1-9]|1[0-2])-(?:0[1-9]|[12]\d|3[01])$ | Optional | — |
| p5ri | Recurring cash inflow for period 5. Required when count is at least 5. | currency units/period recurring inflow | number | Optional | — |
| p5ro | Recurring cash outflow for period 5. Required when count is at least 5. | currency units/period recurring outflow | number | Optional | — |
| p5oi | One-off cash inflow for period 5. Required when count is at least 5. | currency units/period one-off inflow | number | Optional | — |
| p5oo | One-off cash outflow for period 5. Required when count is at least 5. | currency units/period one-off outflow | number | Optional | — |
| p6date | Period 6 cash-flow date. Required when count is at least 6. | ISO calendar date | Value matching ^\d{4}-(?:0[1-9]|1[0-2])-(?:0[1-9]|[12]\d|3[01])$ | Optional | — |
| p6ri | Recurring cash inflow for period 6. Required when count is at least 6. | currency units/period recurring inflow | number | Optional | — |
| p6ro | Recurring cash outflow for period 6. Required when count is at least 6. | currency units/period recurring outflow | number | Optional | — |
| p6oi | One-off cash inflow for period 6. Required when count is at least 6. | currency units/period one-off inflow | number | Optional | — |
| p6oo | One-off cash outflow for period 6. Required when count is at least 6. | currency units/period one-off outflow | number | Optional | — |
| p7date | Period 7 cash-flow date. Required when count is at least 7. | ISO calendar date | Value matching ^\d{4}-(?:0[1-9]|1[0-2])-(?:0[1-9]|[12]\d|3[01])$ | Optional | — |
| p7ri | Recurring cash inflow for period 7. Required when count is at least 7. | currency units/period recurring inflow | number | Optional | — |
| p7ro | Recurring cash outflow for period 7. Required when count is at least 7. | currency units/period recurring outflow | number | Optional | — |
| p7oi | One-off cash inflow for period 7. Required when count is at least 7. | currency units/period one-off inflow | number | Optional | — |
| p7oo | One-off cash outflow for period 7. Required when count is at least 7. | currency units/period one-off outflow | number | Optional | — |
| p8date | Period 8 cash-flow date. Required when count is at least 8. | ISO calendar date | Value matching ^\d{4}-(?:0[1-9]|1[0-2])-(?:0[1-9]|[12]\d|3[01])$ | Optional | — |
| p8ri | Recurring cash inflow for period 8. Required when count is at least 8. | currency units/period recurring inflow | number | Optional | — |
| p8ro | Recurring cash outflow for period 8. Required when count is at least 8. | currency units/period recurring outflow | number | Optional | — |
| p8oi | One-off cash inflow for period 8. Required when count is at least 8. | currency units/period one-off inflow | number | Optional | — |
| p8oo | One-off cash outflow for period 8. Required when count is at least 8. | currency units/period one-off outflow | number | Optional | — |
| p9date | Period 9 cash-flow date. Required when count is at least 9. | ISO calendar date | Value matching ^\d{4}-(?:0[1-9]|1[0-2])-(?:0[1-9]|[12]\d|3[01])$ | Optional | — |
| p9ri | Recurring cash inflow for period 9. Required when count is at least 9. | currency units/period recurring inflow | number | Optional | — |
| p9ro | Recurring cash outflow for period 9. Required when count is at least 9. | currency units/period recurring outflow | number | Optional | — |
| p9oi | One-off cash inflow for period 9. Required when count is at least 9. | currency units/period one-off inflow | number | Optional | — |
| p9oo | One-off cash outflow for period 9. Required when count is at least 9. | currency units/period one-off outflow | number | Optional | — |
| p10date | Period 10 cash-flow date. Required when count is at least 10. | ISO calendar date | Value matching ^\d{4}-(?:0[1-9]|1[0-2])-(?:0[1-9]|[12]\d|3[01])$ | Optional | — |
| p10ri | Recurring cash inflow for period 10. Required when count is at least 10. | currency units/period recurring inflow | number | Optional | — |
| p10ro | Recurring cash outflow for period 10. Required when count is at least 10. | currency units/period recurring outflow | number | Optional | — |
| p10oi | One-off cash inflow for period 10. Required when count is at least 10. | currency units/period one-off inflow | number | Optional | — |
| p10oo | One-off cash outflow for period 10. Required when count is at least 10. | currency units/period one-off outflow | number | Optional | — |
| p11date | Period 11 cash-flow date. Required when count is at least 11. | ISO calendar date | Value matching ^\d{4}-(?:0[1-9]|1[0-2])-(?:0[1-9]|[12]\d|3[01])$ | Optional | — |
| p11ri | Recurring cash inflow for period 11. Required when count is at least 11. | currency units/period recurring inflow | number | Optional | — |
| p11ro | Recurring cash outflow for period 11. Required when count is at least 11. | currency units/period recurring outflow | number | Optional | — |
| p11oi | One-off cash inflow for period 11. Required when count is at least 11. | currency units/period one-off inflow | number | Optional | — |
| p11oo | One-off cash outflow for period 11. Required when count is at least 11. | currency units/period one-off outflow | number | Optional | — |
| p12date | Period 12 cash-flow date. Required when count is at least 12. | ISO calendar date | Value matching ^\d{4}-(?:0[1-9]|1[0-2])-(?:0[1-9]|[12]\d|3[01])$ | Optional | — |
| p12ri | Recurring cash inflow for period 12. Required when count is at least 12. | currency units/period recurring inflow | number | Optional | — |
| p12ro | Recurring cash outflow for period 12. Required when count is at least 12. | currency units/period recurring outflow | number | Optional | — |
| p12oi | One-off cash inflow for period 12. Required when count is at least 12. | currency units/period one-off inflow | number | Optional | — |
| p12oo | One-off cash outflow for period 12. Required when count is at least 12. | currency units/period one-off outflow | number | Optional | — |
| p13date | Period 13 cash-flow date. Required when count is at least 13. | ISO calendar date | Value matching ^\d{4}-(?:0[1-9]|1[0-2])-(?:0[1-9]|[12]\d|3[01])$ | Optional | — |
| p13ri | Recurring cash inflow for period 13. Required when count is at least 13. | currency units/period recurring inflow | number | Optional | — |
| p13ro | Recurring cash outflow for period 13. Required when count is at least 13. | currency units/period recurring outflow | number | Optional | — |
| p13oi | One-off cash inflow for period 13. Required when count is at least 13. | currency units/period one-off inflow | number | Optional | — |
| p13oo | One-off cash outflow for period 13. Required when count is at least 13. | currency units/period one-off outflow | number | Optional | — |
| p14date | Period 14 cash-flow date. Required when count is at least 14. | ISO calendar date | Value matching ^\d{4}-(?:0[1-9]|1[0-2])-(?:0[1-9]|[12]\d|3[01])$ | Optional | — |
| p14ri | Recurring cash inflow for period 14. Required when count is at least 14. | currency units/period recurring inflow | number | Optional | — |
| p14ro | Recurring cash outflow for period 14. Required when count is at least 14. | currency units/period recurring outflow | number | Optional | — |
| p14oi | One-off cash inflow for period 14. Required when count is at least 14. | currency units/period one-off inflow | number | Optional | — |
| p14oo | One-off cash outflow for period 14. Required when count is at least 14. | currency units/period one-off outflow | number | Optional | — |
| p15date | Period 15 cash-flow date. Required when count is at least 15. | ISO calendar date | Value matching ^\d{4}-(?:0[1-9]|1[0-2])-(?:0[1-9]|[12]\d|3[01])$ | Optional | — |
| p15ri | Recurring cash inflow for period 15. Required when count is at least 15. | currency units/period recurring inflow | number | Optional | — |
| p15ro | Recurring cash outflow for period 15. Required when count is at least 15. | currency units/period recurring outflow | number | Optional | — |
| p15oi | One-off cash inflow for period 15. Required when count is at least 15. | currency units/period one-off inflow | number | Optional | — |
| p15oo | One-off cash outflow for period 15. Required when count is at least 15. | currency units/period one-off outflow | number | Optional | — |
| p16date | Period 16 cash-flow date. Required when count is at least 16. | ISO calendar date | Value matching ^\d{4}-(?:0[1-9]|1[0-2])-(?:0[1-9]|[12]\d|3[01])$ | Optional | — |
| p16ri | Recurring cash inflow for period 16. Required when count is at least 16. | currency units/period recurring inflow | number | Optional | — |
| p16ro | Recurring cash outflow for period 16. Required when count is at least 16. | currency units/period recurring outflow | number | Optional | — |
| p16oi | One-off cash inflow for period 16. Required when count is at least 16. | currency units/period one-off inflow | number | Optional | — |
| p16oo | One-off cash outflow for period 16. Required when count is at least 16. | currency units/period one-off outflow | number | Optional | — |
| p17date | Period 17 cash-flow date. Required when count is at least 17. | ISO calendar date | Value matching ^\d{4}-(?:0[1-9]|1[0-2])-(?:0[1-9]|[12]\d|3[01])$ | Optional | — |
| p17ri | Recurring cash inflow for period 17. Required when count is at least 17. | currency units/period recurring inflow | number | Optional | — |
| p17ro | Recurring cash outflow for period 17. Required when count is at least 17. | currency units/period recurring outflow | number | Optional | — |
| p17oi | One-off cash inflow for period 17. Required when count is at least 17. | currency units/period one-off inflow | number | Optional | — |
| p17oo | One-off cash outflow for period 17. Required when count is at least 17. | currency units/period one-off outflow | number | Optional | — |
| p18date | Period 18 cash-flow date. Required when count is at least 18. | ISO calendar date | Value matching ^\d{4}-(?:0[1-9]|1[0-2])-(?:0[1-9]|[12]\d|3[01])$ | Optional | — |
| p18ri | Recurring cash inflow for period 18. Required when count is at least 18. | currency units/period recurring inflow | number | Optional | — |
| p18ro | Recurring cash outflow for period 18. Required when count is at least 18. | currency units/period recurring outflow | number | Optional | — |
| p18oi | One-off cash inflow for period 18. Required when count is at least 18. | currency units/period one-off inflow | number | Optional | — |
| p18oo | One-off cash outflow for period 18. Required when count is at least 18. | currency units/period one-off outflow | number | Optional | — |
| p19date | Period 19 cash-flow date. Required when count is at least 19. | ISO calendar date | Value matching ^\d{4}-(?:0[1-9]|1[0-2])-(?:0[1-9]|[12]\d|3[01])$ | Optional | — |
| p19ri | Recurring cash inflow for period 19. Required when count is at least 19. | currency units/period recurring inflow | number | Optional | — |
| p19ro | Recurring cash outflow for period 19. Required when count is at least 19. | currency units/period recurring outflow | number | Optional | — |
| p19oi | One-off cash inflow for period 19. Required when count is at least 19. | currency units/period one-off inflow | number | Optional | — |
| p19oo | One-off cash outflow for period 19. Required when count is at least 19. | currency units/period one-off outflow | number | Optional | — |
| p20date | Period 20 cash-flow date. Required when count is at least 20. | ISO calendar date | Value matching ^\d{4}-(?:0[1-9]|1[0-2])-(?:0[1-9]|[12]\d|3[01])$ | Optional | — |
| p20ri | Recurring cash inflow for period 20. Required when count is at least 20. | currency units/period recurring inflow | number | Optional | — |
| p20ro | Recurring cash outflow for period 20. Required when count is at least 20. | currency units/period recurring outflow | number | Optional | — |
| p20oi | One-off cash inflow for period 20. Required when count is at least 20. | currency units/period one-off inflow | number | Optional | — |
| p20oo | One-off cash outflow for period 20. Required when count is at least 20. | currency units/period one-off outflow | number | Optional | — |
| p21date | Period 21 cash-flow date. Required when count is at least 21. | ISO calendar date | Value matching ^\d{4}-(?:0[1-9]|1[0-2])-(?:0[1-9]|[12]\d|3[01])$ | Optional | — |
| p21ri | Recurring cash inflow for period 21. Required when count is at least 21. | currency units/period recurring inflow | number | Optional | — |
| p21ro | Recurring cash outflow for period 21. Required when count is at least 21. | currency units/period recurring outflow | number | Optional | — |
| p21oi | One-off cash inflow for period 21. Required when count is at least 21. | currency units/period one-off inflow | number | Optional | — |
| p21oo | One-off cash outflow for period 21. Required when count is at least 21. | currency units/period one-off outflow | number | Optional | — |
| p22date | Period 22 cash-flow date. Required when count is at least 22. | ISO calendar date | Value matching ^\d{4}-(?:0[1-9]|1[0-2])-(?:0[1-9]|[12]\d|3[01])$ | Optional | — |
| p22ri | Recurring cash inflow for period 22. Required when count is at least 22. | currency units/period recurring inflow | number | Optional | — |
| p22ro | Recurring cash outflow for period 22. Required when count is at least 22. | currency units/period recurring outflow | number | Optional | — |
| p22oi | One-off cash inflow for period 22. Required when count is at least 22. | currency units/period one-off inflow | number | Optional | — |
| p22oo | One-off cash outflow for period 22. Required when count is at least 22. | currency units/period one-off outflow | number | Optional | — |
| p23date | Period 23 cash-flow date. Required when count is at least 23. | ISO calendar date | Value matching ^\d{4}-(?:0[1-9]|1[0-2])-(?:0[1-9]|[12]\d|3[01])$ | Optional | — |
| p23ri | Recurring cash inflow for period 23. Required when count is at least 23. | currency units/period recurring inflow | number | Optional | — |
| p23ro | Recurring cash outflow for period 23. Required when count is at least 23. | currency units/period recurring outflow | number | Optional | — |
| p23oi | One-off cash inflow for period 23. Required when count is at least 23. | currency units/period one-off inflow | number | Optional | — |
| p23oo | One-off cash outflow for period 23. Required when count is at least 23. | currency units/period one-off outflow | number | Optional | — |
| p24date | Period 24 cash-flow date. Required when count is at least 24. | ISO calendar date | Value matching ^\d{4}-(?:0[1-9]|1[0-2])-(?:0[1-9]|[12]\d|3[01])$ | Optional | — |
| p24ri | Recurring cash inflow for period 24. Required when count is at least 24. | currency units/period recurring inflow | number | Optional | — |
| p24ro | Recurring cash outflow for period 24. Required when count is at least 24. | currency units/period recurring outflow | number | Optional | — |
| p24oi | One-off cash inflow for period 24. Required when count is at least 24. | currency units/period one-off inflow | number | Optional | — |
| p24oo | One-off cash outflow for period 24. Required when count is at least 24. | currency units/period one-off outflow | number | Optional | — |
| p25date | Period 25 cash-flow date. Required when count is at least 25. | ISO calendar date | Value matching ^\d{4}-(?:0[1-9]|1[0-2])-(?:0[1-9]|[12]\d|3[01])$ | Optional | — |
| p25ri | Recurring cash inflow for period 25. Required when count is at least 25. | currency units/period recurring inflow | number | Optional | — |
| p25ro | Recurring cash outflow for period 25. Required when count is at least 25. | currency units/period recurring outflow | number | Optional | — |
| p25oi | One-off cash inflow for period 25. Required when count is at least 25. | currency units/period one-off inflow | number | Optional | — |
| p25oo | One-off cash outflow for period 25. Required when count is at least 25. | currency units/period one-off outflow | number | Optional | — |
| p26date | Period 26 cash-flow date. Required when count is at least 26. | ISO calendar date | Value matching ^\d{4}-(?:0[1-9]|1[0-2])-(?:0[1-9]|[12]\d|3[01])$ | Optional | — |
| p26ri | Recurring cash inflow for period 26. Required when count is at least 26. | currency units/period recurring inflow | number | Optional | — |
| p26ro | Recurring cash outflow for period 26. Required when count is at least 26. | currency units/period recurring outflow | number | Optional | — |
| p26oi | One-off cash inflow for period 26. Required when count is at least 26. | currency units/period one-off inflow | number | Optional | — |
| p26oo | One-off cash outflow for period 26. Required when count is at least 26. | currency units/period one-off outflow | number | Optional | — |
| p27date | Period 27 cash-flow date. Required when count is at least 27. | ISO calendar date | Value matching ^\d{4}-(?:0[1-9]|1[0-2])-(?:0[1-9]|[12]\d|3[01])$ | Optional | — |
| p27ri | Recurring cash inflow for period 27. Required when count is at least 27. | currency units/period recurring inflow | number | Optional | — |
| p27ro | Recurring cash outflow for period 27. Required when count is at least 27. | currency units/period recurring outflow | number | Optional | — |
| p27oi | One-off cash inflow for period 27. Required when count is at least 27. | currency units/period one-off inflow | number | Optional | — |
| p27oo | One-off cash outflow for period 27. Required when count is at least 27. | currency units/period one-off outflow | number | Optional | — |
| p28date | Period 28 cash-flow date. Required when count is at least 28. | ISO calendar date | Value matching ^\d{4}-(?:0[1-9]|1[0-2])-(?:0[1-9]|[12]\d|3[01])$ | Optional | — |
| p28ri | Recurring cash inflow for period 28. Required when count is at least 28. | currency units/period recurring inflow | number | Optional | — |
| p28ro | Recurring cash outflow for period 28. Required when count is at least 28. | currency units/period recurring outflow | number | Optional | — |
| p28oi | One-off cash inflow for period 28. Required when count is at least 28. | currency units/period one-off inflow | number | Optional | — |
| p28oo | One-off cash outflow for period 28. Required when count is at least 28. | currency units/period one-off outflow | number | Optional | — |
| p29date | Period 29 cash-flow date. Required when count is at least 29. | ISO calendar date | Value matching ^\d{4}-(?:0[1-9]|1[0-2])-(?:0[1-9]|[12]\d|3[01])$ | Optional | — |
| p29ri | Recurring cash inflow for period 29. Required when count is at least 29. | currency units/period recurring inflow | number | Optional | — |
| p29ro | Recurring cash outflow for period 29. Required when count is at least 29. | currency units/period recurring outflow | number | Optional | — |
| p29oi | One-off cash inflow for period 29. Required when count is at least 29. | currency units/period one-off inflow | number | Optional | — |
| p29oo | One-off cash outflow for period 29. Required when count is at least 29. | currency units/period one-off outflow | number | Optional | — |
| p30date | Period 30 cash-flow date. Required when count is at least 30. | ISO calendar date | Value matching ^\d{4}-(?:0[1-9]|1[0-2])-(?:0[1-9]|[12]\d|3[01])$ | Optional | — |
| p30ri | Recurring cash inflow for period 30. Required when count is at least 30. | currency units/period recurring inflow | number | Optional | — |
| p30ro | Recurring cash outflow for period 30. Required when count is at least 30. | currency units/period recurring outflow | number | Optional | — |
| p30oi | One-off cash inflow for period 30. Required when count is at least 30. | currency units/period one-off inflow | number | Optional | — |
| p30oo | One-off cash outflow for period 30. Required when count is at least 30. | currency units/period one-off outflow | number | Optional | — |
| p31date | Period 31 cash-flow date. Required when count is at least 31. | ISO calendar date | Value matching ^\d{4}-(?:0[1-9]|1[0-2])-(?:0[1-9]|[12]\d|3[01])$ | Optional | — |
| p31ri | Recurring cash inflow for period 31. Required when count is at least 31. | currency units/period recurring inflow | number | Optional | — |
| p31ro | Recurring cash outflow for period 31. Required when count is at least 31. | currency units/period recurring outflow | number | Optional | — |
| p31oi | One-off cash inflow for period 31. Required when count is at least 31. | currency units/period one-off inflow | number | Optional | — |
| p31oo | One-off cash outflow for period 31. Required when count is at least 31. | currency units/period one-off outflow | number | Optional | — |
| p32date | Period 32 cash-flow date. Required when count is at least 32. | ISO calendar date | Value matching ^\d{4}-(?:0[1-9]|1[0-2])-(?:0[1-9]|[12]\d|3[01])$ | Optional | — |
| p32ri | Recurring cash inflow for period 32. Required when count is at least 32. | currency units/period recurring inflow | number | Optional | — |
| p32ro | Recurring cash outflow for period 32. Required when count is at least 32. | currency units/period recurring outflow | number | Optional | — |
| p32oi | One-off cash inflow for period 32. Required when count is at least 32. | currency units/period one-off inflow | number | Optional | — |
| p32oo | One-off cash outflow for period 32. Required when count is at least 32. | currency units/period one-off outflow | number | Optional | — |
| p33date | Period 33 cash-flow date. Required when count is at least 33. | ISO calendar date | Value matching ^\d{4}-(?:0[1-9]|1[0-2])-(?:0[1-9]|[12]\d|3[01])$ | Optional | — |
| p33ri | Recurring cash inflow for period 33. Required when count is at least 33. | currency units/period recurring inflow | number | Optional | — |
| p33ro | Recurring cash outflow for period 33. Required when count is at least 33. | currency units/period recurring outflow | number | Optional | — |
| p33oi | One-off cash inflow for period 33. Required when count is at least 33. | currency units/period one-off inflow | number | Optional | — |
| p33oo | One-off cash outflow for period 33. Required when count is at least 33. | currency units/period one-off outflow | number | Optional | — |
| p34date | Period 34 cash-flow date. Required when count is at least 34. | ISO calendar date | Value matching ^\d{4}-(?:0[1-9]|1[0-2])-(?:0[1-9]|[12]\d|3[01])$ | Optional | — |
| p34ri | Recurring cash inflow for period 34. Required when count is at least 34. | currency units/period recurring inflow | number | Optional | — |
| p34ro | Recurring cash outflow for period 34. Required when count is at least 34. | currency units/period recurring outflow | number | Optional | — |
| p34oi | One-off cash inflow for period 34. Required when count is at least 34. | currency units/period one-off inflow | number | Optional | — |
| p34oo | One-off cash outflow for period 34. Required when count is at least 34. | currency units/period one-off outflow | number | Optional | — |
| p35date | Period 35 cash-flow date. Required when count is at least 35. | ISO calendar date | Value matching ^\d{4}-(?:0[1-9]|1[0-2])-(?:0[1-9]|[12]\d|3[01])$ | Optional | — |
| p35ri | Recurring cash inflow for period 35. Required when count is at least 35. | currency units/period recurring inflow | number | Optional | — |
| p35ro | Recurring cash outflow for period 35. Required when count is at least 35. | currency units/period recurring outflow | number | Optional | — |
| p35oi | One-off cash inflow for period 35. Required when count is at least 35. | currency units/period one-off inflow | number | Optional | — |
| p35oo | One-off cash outflow for period 35. Required when count is at least 35. | currency units/period one-off outflow | number | Optional | — |
| p36date | Period 36 cash-flow date. Required when count is at least 36. | ISO calendar date | Value matching ^\d{4}-(?:0[1-9]|1[0-2])-(?:0[1-9]|[12]\d|3[01])$ | Optional | — |
| p36ri | Recurring cash inflow for period 36. Required when count is at least 36. | currency units/period recurring inflow | number | Optional | — |
| p36ro | Recurring cash outflow for period 36. Required when count is at least 36. | currency units/period recurring outflow | number | Optional | — |
| p36oi | One-off cash inflow for period 36. Required when count is at least 36. | currency units/period one-off inflow | number | Optional | — |
| p36oo | One-off cash outflow for period 36. Required when count is at least 36. | currency units/period one-off outflow | number | Optional | — |
| p37date | Period 37 cash-flow date. Required when count is at least 37. | ISO calendar date | Value matching ^\d{4}-(?:0[1-9]|1[0-2])-(?:0[1-9]|[12]\d|3[01])$ | Optional | — |
| p37ri | Recurring cash inflow for period 37. Required when count is at least 37. | currency units/period recurring inflow | number | Optional | — |
| p37ro | Recurring cash outflow for period 37. Required when count is at least 37. | currency units/period recurring outflow | number | Optional | — |
| p37oi | One-off cash inflow for period 37. Required when count is at least 37. | currency units/period one-off inflow | number | Optional | — |
| p37oo | One-off cash outflow for period 37. Required when count is at least 37. | currency units/period one-off outflow | number | Optional | — |
| p38date | Period 38 cash-flow date. Required when count is at least 38. | ISO calendar date | Value matching ^\d{4}-(?:0[1-9]|1[0-2])-(?:0[1-9]|[12]\d|3[01])$ | Optional | — |
| p38ri | Recurring cash inflow for period 38. Required when count is at least 38. | currency units/period recurring inflow | number | Optional | — |
| p38ro | Recurring cash outflow for period 38. Required when count is at least 38. | currency units/period recurring outflow | number | Optional | — |
| p38oi | One-off cash inflow for period 38. Required when count is at least 38. | currency units/period one-off inflow | number | Optional | — |
| p38oo | One-off cash outflow for period 38. Required when count is at least 38. | currency units/period one-off outflow | number | Optional | — |
| p39date | Period 39 cash-flow date. Required when count is at least 39. | ISO calendar date | Value matching ^\d{4}-(?:0[1-9]|1[0-2])-(?:0[1-9]|[12]\d|3[01])$ | Optional | — |
| p39ri | Recurring cash inflow for period 39. Required when count is at least 39. | currency units/period recurring inflow | number | Optional | — |
| p39ro | Recurring cash outflow for period 39. Required when count is at least 39. | currency units/period recurring outflow | number | Optional | — |
| p39oi | One-off cash inflow for period 39. Required when count is at least 39. | currency units/period one-off inflow | number | Optional | — |
| p39oo | One-off cash outflow for period 39. Required when count is at least 39. | currency units/period one-off outflow | number | Optional | — |
| p40date | Period 40 cash-flow date. Required when count is at least 40. | ISO calendar date | Value matching ^\d{4}-(?:0[1-9]|1[0-2])-(?:0[1-9]|[12]\d|3[01])$ | Optional | — |
| p40ri | Recurring cash inflow for period 40. Required when count is at least 40. | currency units/period recurring inflow | number | Optional | — |
| p40ro | Recurring cash outflow for period 40. Required when count is at least 40. | currency units/period recurring outflow | number | Optional | — |
| p40oi | One-off cash inflow for period 40. Required when count is at least 40. | currency units/period one-off inflow | number | Optional | — |
| p40oo | One-off cash outflow for period 40. Required when count is at least 40. | currency units/period one-off outflow | number | Optional | — |
| p41date | Period 41 cash-flow date. Required when count is at least 41. | ISO calendar date | Value matching ^\d{4}-(?:0[1-9]|1[0-2])-(?:0[1-9]|[12]\d|3[01])$ | Optional | — |
| p41ri | Recurring cash inflow for period 41. Required when count is at least 41. | currency units/period recurring inflow | number | Optional | — |
| p41ro | Recurring cash outflow for period 41. Required when count is at least 41. | currency units/period recurring outflow | number | Optional | — |
| p41oi | One-off cash inflow for period 41. Required when count is at least 41. | currency units/period one-off inflow | number | Optional | — |
| p41oo | One-off cash outflow for period 41. Required when count is at least 41. | currency units/period one-off outflow | number | Optional | — |
| p42date | Period 42 cash-flow date. Required when count is at least 42. | ISO calendar date | Value matching ^\d{4}-(?:0[1-9]|1[0-2])-(?:0[1-9]|[12]\d|3[01])$ | Optional | — |
| p42ri | Recurring cash inflow for period 42. Required when count is at least 42. | currency units/period recurring inflow | number | Optional | — |
| p42ro | Recurring cash outflow for period 42. Required when count is at least 42. | currency units/period recurring outflow | number | Optional | — |
| p42oi | One-off cash inflow for period 42. Required when count is at least 42. | currency units/period one-off inflow | number | Optional | — |
| p42oo | One-off cash outflow for period 42. Required when count is at least 42. | currency units/period one-off outflow | number | Optional | — |
| p43date | Period 43 cash-flow date. Required when count is at least 43. | ISO calendar date | Value matching ^\d{4}-(?:0[1-9]|1[0-2])-(?:0[1-9]|[12]\d|3[01])$ | Optional | — |
| p43ri | Recurring cash inflow for period 43. Required when count is at least 43. | currency units/period recurring inflow | number | Optional | — |
| p43ro | Recurring cash outflow for period 43. Required when count is at least 43. | currency units/period recurring outflow | number | Optional | — |
| p43oi | One-off cash inflow for period 43. Required when count is at least 43. | currency units/period one-off inflow | number | Optional | — |
| p43oo | One-off cash outflow for period 43. Required when count is at least 43. | currency units/period one-off outflow | number | Optional | — |
| p44date | Period 44 cash-flow date. Required when count is at least 44. | ISO calendar date | Value matching ^\d{4}-(?:0[1-9]|1[0-2])-(?:0[1-9]|[12]\d|3[01])$ | Optional | — |
| p44ri | Recurring cash inflow for period 44. Required when count is at least 44. | currency units/period recurring inflow | number | Optional | — |
| p44ro | Recurring cash outflow for period 44. Required when count is at least 44. | currency units/period recurring outflow | number | Optional | — |
| p44oi | One-off cash inflow for period 44. Required when count is at least 44. | currency units/period one-off inflow | number | Optional | — |
| p44oo | One-off cash outflow for period 44. Required when count is at least 44. | currency units/period one-off outflow | number | Optional | — |
| p45date | Period 45 cash-flow date. Required when count is at least 45. | ISO calendar date | Value matching ^\d{4}-(?:0[1-9]|1[0-2])-(?:0[1-9]|[12]\d|3[01])$ | Optional | — |
| p45ri | Recurring cash inflow for period 45. Required when count is at least 45. | currency units/period recurring inflow | number | Optional | — |
| p45ro | Recurring cash outflow for period 45. Required when count is at least 45. | currency units/period recurring outflow | number | Optional | — |
| p45oi | One-off cash inflow for period 45. Required when count is at least 45. | currency units/period one-off inflow | number | Optional | — |
| p45oo | One-off cash outflow for period 45. Required when count is at least 45. | currency units/period one-off outflow | number | Optional | — |
| p46date | Period 46 cash-flow date. Required when count is at least 46. | ISO calendar date | Value matching ^\d{4}-(?:0[1-9]|1[0-2])-(?:0[1-9]|[12]\d|3[01])$ | Optional | — |
| p46ri | Recurring cash inflow for period 46. Required when count is at least 46. | currency units/period recurring inflow | number | Optional | — |
| p46ro | Recurring cash outflow for period 46. Required when count is at least 46. | currency units/period recurring outflow | number | Optional | — |
| p46oi | One-off cash inflow for period 46. Required when count is at least 46. | currency units/period one-off inflow | number | Optional | — |
| p46oo | One-off cash outflow for period 46. Required when count is at least 46. | currency units/period one-off outflow | number | Optional | — |
| p47date | Period 47 cash-flow date. Required when count is at least 47. | ISO calendar date | Value matching ^\d{4}-(?:0[1-9]|1[0-2])-(?:0[1-9]|[12]\d|3[01])$ | Optional | — |
| p47ri | Recurring cash inflow for period 47. Required when count is at least 47. | currency units/period recurring inflow | number | Optional | — |
| p47ro | Recurring cash outflow for period 47. Required when count is at least 47. | currency units/period recurring outflow | number | Optional | — |
| p47oi | One-off cash inflow for period 47. Required when count is at least 47. | currency units/period one-off inflow | number | Optional | — |
| p47oo | One-off cash outflow for period 47. Required when count is at least 47. | currency units/period one-off outflow | number | Optional | — |
| p48date | Period 48 cash-flow date. Required when count is at least 48. | ISO calendar date | Value matching ^\d{4}-(?:0[1-9]|1[0-2])-(?:0[1-9]|[12]\d|3[01])$ | Optional | — |
| p48ri | Recurring cash inflow for period 48. Required when count is at least 48. | currency units/period recurring inflow | number | Optional | — |
| p48ro | Recurring cash outflow for period 48. Required when count is at least 48. | currency units/period recurring outflow | number | Optional | — |
| p48oi | One-off cash inflow for period 48. Required when count is at least 48. | currency units/period one-off inflow | number | Optional | — |
| p48oo | One-off cash outflow for period 48. Required when count is at least 48. | currency units/period one-off outflow | number | Optional | — |
| p49date | Period 49 cash-flow date. Required when count is at least 49. | ISO calendar date | Value matching ^\d{4}-(?:0[1-9]|1[0-2])-(?:0[1-9]|[12]\d|3[01])$ | Optional | — |
| p49ri | Recurring cash inflow for period 49. Required when count is at least 49. | currency units/period recurring inflow | number | Optional | — |
| p49ro | Recurring cash outflow for period 49. Required when count is at least 49. | currency units/period recurring outflow | number | Optional | — |
| p49oi | One-off cash inflow for period 49. Required when count is at least 49. | currency units/period one-off inflow | number | Optional | — |
| p49oo | One-off cash outflow for period 49. Required when count is at least 49. | currency units/period one-off outflow | number | Optional | — |
| p50date | Period 50 cash-flow date. Required when count is at least 50. | ISO calendar date | Value matching ^\d{4}-(?:0[1-9]|1[0-2])-(?:0[1-9]|[12]\d|3[01])$ | Optional | — |
| p50ri | Recurring cash inflow for period 50. Required when count is at least 50. | currency units/period recurring inflow | number | Optional | — |
| p50ro | Recurring cash outflow for period 50. Required when count is at least 50. | currency units/period recurring outflow | number | Optional | — |
| p50oi | One-off cash inflow for period 50. Required when count is at least 50. | currency units/period one-off inflow | number | Optional | — |
| p50oo | One-off cash outflow for period 50. Required when count is at least 50. | currency units/period one-off outflow | number | Optional | — |
| p51date | Period 51 cash-flow date. Required when count is at least 51. | ISO calendar date | Value matching ^\d{4}-(?:0[1-9]|1[0-2])-(?:0[1-9]|[12]\d|3[01])$ | Optional | — |
| p51ri | Recurring cash inflow for period 51. Required when count is at least 51. | currency units/period recurring inflow | number | Optional | — |
| p51ro | Recurring cash outflow for period 51. Required when count is at least 51. | currency units/period recurring outflow | number | Optional | — |
| p51oi | One-off cash inflow for period 51. Required when count is at least 51. | currency units/period one-off inflow | number | Optional | — |
| p51oo | One-off cash outflow for period 51. Required when count is at least 51. | currency units/period one-off outflow | number | Optional | — |
| p52date | Period 52 cash-flow date. Required when count is at least 52. | ISO calendar date | Value matching ^\d{4}-(?:0[1-9]|1[0-2])-(?:0[1-9]|[12]\d|3[01])$ | Optional | — |
| p52ri | Recurring cash inflow for period 52. Required when count is at least 52. | currency units/period recurring inflow | number | Optional | — |
| p52ro | Recurring cash outflow for period 52. Required when count is at least 52. | currency units/period recurring outflow | number | Optional | — |
| p52oi | One-off cash inflow for period 52. Required when count is at least 52. | currency units/period one-off inflow | number | Optional | — |
| p52oo | One-off cash outflow for period 52. Required when count is at least 52. | currency units/period one-off outflow | number | Optional | — |
Cash Runway: dated closing cash
Use the dated breach and funding gap to compare entered scenarios; it is not a forecast.
Formula summary
- Primary formula
- closing cash = prior cash + recurring inflows + one-off inflows − recurring outflows − one-off outflows
Data used here
- The estimate uses your inputs and the general business formula documented in the methodology.
Decision checks
Stress-test the decision
Retest delayed receipts, higher one-off outflows and a higher minimum buffer.
When this estimate can be misleading
- All dated cash flows and the minimum buffer are user-entered.
- The embedded burn-rate summary is a separate scenario module, not a forecast.
- This is educational decision support, not accounting, tax, legal or financial advice.
- Use the dated breach and funding gap to compare entered scenarios; it is not a forecast.
Educational estimate, not advice. See all assumptions & limitations →
Related reading
Guides to interpret the decision and its assumptions.
- How to Write a Cash-Buffer Policy for a Micro-Business
Write a reviewable cash-buffer policy from dated outflows, disruption scenarios, draw rules and replenishment triggers without a generic reserve benchmark.
Read guide - Plan Cash for a Seasonal Trough
Build a dated weekly baseline and lower-receipts case through the trough using a user-chosen cash floor.
Read guide
Frequently asked questions
How do I identify a dated cash-buffer breach and peak funding gap?
Confirm each dated inflow and outflow, then plan before the first buffer breach.
Which planning assumptions should I stress-test?
Compare a plausible alternative scenario and verify the decision-critical assumption that changes the plan most.