Cash Runway Calculator and Buffer Check

FreeAbout three minutesCash and working capital
What it does

Works out how many weeks of cover your cash and available facilities give you against your committed outgoings.

How it helps

Cash stress is usually about timing, not the balance in the account. This shows your real breathing room against a sensible buffer for your industry, so a slow month does not catch you off guard.

How this benchmark is calculated

What you are measured against is an indicative benchmark set using ProfitPulse's internal commercial ranges. Read it as a practical guide, not a formal industry survey and not financial advice. It is tuned to your broad industry, your scale and your commercial complexity rather than applied flat.

In about three minutes, free, you will see their weeks of cover from cash and available facilities against committed outgoings, banded against a sensible buffer for their industry.

Cash Runway and Buffer Check

Answer a few quick questions to see where you stand.

How the cash buffer is calculated

The formula

Weeks of cover = cash at bank plus undrawn facilities, divided by your weekly net outgoings.

Worked example

With 80,000 dollars cash, a 40,000 dollar undrawn facility and 10,000 dollars of net weekly outgoings, cover is about 12 weeks, read against a sensible buffer for the industry.

How to read your result

Strong means genuine breathing room and negotiating power. Worth a closer look means a slow month would be felt quickly. Significant opportunity means the runway needs attention now, and it responds fast to a weekly rhythm.

What each figure means

  • Cash at bank today across all accounts: The total in all your business bank accounts today.
  • Undrawn overdraft or facility available today: Approved overdraft or facility you have not yet drawn down.
  • Average weekly operating outgoings: Wages, suppliers, rent and loan payments in a typical week.
  • Reliable weekly cash inflows: Money you can reliably count on arriving in a typical week.

Common questions

What counts towards my cover?

Cash in all accounts plus any approved facility you have not drawn. Both are real breathing room.

Is a big bank balance enough?

Not on its own. Cover depends on the balance against your weekly outgoings, which is what this measures.

What buffer should I aim for?

It varies by industry. The tool bands your weeks of cover against a sensible buffer for your sector.

How ProfitPulse can help

If the runway is thin, our fractional CFO support builds a weekly cash view and steadies the decisions that protect your buffer.