--- title: "Cash Flow and Burn Rate Calculator | MCC" description: "Enter your cash balance, monthly cash in and cash out to see net burn, runway and a month-by-month cash forecast. Free and private, runs in your browser." url: "https://mcc-solutionsnj.com/bookkeeping/cash-flow-and-burn-rate-calculator" --- Free tool # How long will my cash last? ## Overview Enter your cash today, what comes in and what goes out each month. See your burn rate, your runway and a month-by-month forecast. [![Intuit ProAdvisor Gold tier badge](/img/credentials/intuit-proadvisor-gold.png)](https://proadvisor.intuit.com/app/accountant/search?searchId=matthew-coleman77)Gold tier in Intuit's ProAdvisor program. [See my Intuit listing](https://proadvisor.intuit.com/app/accountant/search?searchId=matthew-coleman77) Keeping your own books? Tallyfinch does invoices, bank import and reports on your computer. [See Tallyfinch](/bookkeeping/mcc-books-downloadable-bookkeeping-software) Cash in the bank today ($) Average cash in per month ($) Average cash out per month ($) Monthly growth in cash in (%) (optional) Months to forecast Excel workbook ยท $29 ### 13-Week Cash Flow Forecast List what you expect to collect and pay, and see your cash balance each week, the lowest point and when it happens. [See what is inside ($29)](/toolkits/cash-flow-forecast-13-week) [Free sample](/toolkits/cash-flow-forecast-13-week#free-starter)14-day full refund Share ## Put this tool on your own site Free to use. Paste this where you want it to appear. It runs in the visitor's browser, so nothing they enter is sent to us. [See every calculator you can embed](/embed) How it works ## How it works **Gross burn** is everything you spend in a month. **Net burn** is what you spend minus what you take in. **Runway** is your cash divided by your net burn, the number of months before the balance hits zero at today's pace. Want a second pair of eyes on your books? [A free bookkeeping health check](/bookkeeping/health-check). The forecast adds each month's cash in and out to your balance. You can add a monthly growth rate for cash in to test a better or worse case. Nothing you type is sent or saved. FAQ ## About this calculator **What is burn rate?** Gross burn is the total cash you spend each month. Net burn is what you spend minus what you take in, so it is the amount your cash balance shrinks by each month. **What is runway?** Runway is how many months your cash will last at the current burn rate. Divide your cash balance by your net burn. **How is cash flow different from profit?** Profit counts sales when you bill and costs when you incur them. Cash flow counts money when it moves. A profitable business can run out of cash if customers pay late or inventory and loan payments are large. **What should I include in cash out?** Everything that leaves the bank: payroll, rent, supplies, subscriptions, loan payments, owner draws and tax payments. Use the average of the last few months. **How do I use the growth rate?** Enter the percent your cash in is expected to rise each month. Leave it at 0 to see today's numbers repeated. Be cautious with growth, and test a flat or falling case too. **Is anything saved?** No. The math runs in your browser and nothing you enter is sent to us. Customers paying late? Check your [days sales outstanding](/bookkeeping/days-sales-outstanding-calculator), price for profit with the [break-even calculator](/bookkeeping/break-even-calculator), or read how a [13-week cash flow forecast](/bookkeeping/guides/13-week-cash-flow-forecast-for-small-business) works. More free tools: [DuPont analysis calculator](/bookkeeping/dupont-analysis-calculator), [Net profit margin calculator](/bookkeeping/net-profit-margin-calculator), [Late payment fee calculator](/bookkeeping/late-payment-fee-calculator), or [see all free tools](/free-tools). Free ### Month-End Close Checklist (PDF) The five-day close, one page to print. Enter your email and we send a link to confirm it is yours, then the download. We may email you about new toolkits, and every email has an unsubscribe link. General information, not tax or legal advice. [How we write and check our tools](/editorial-standards). Keep this calculator on your phone: [Add MCC Money to your phone](/tools/mcc-money-app). It's free, works offline and holds 62 calculators. Excel workbook ### 13-Week Cash Flow Forecast List what you expect to collect and pay, and see your cash balance each week, the lowest point and when it happens. [See what is inside ($29)](/toolkits/cash-flow-forecast-13-week) [Try the free starter](/toolkits/cash-flow-forecast-13-week#free-starter) Also in the [Business Planning Bundle](/toolkits/business-planning-bundle): 4 products for $79 instead of $106 separately. Tallyfinch ### Books you keep on your own computer Tallyfinch does invoices, bills, bank import, reconciliation and the main reports, in a file you own. $99 once, then $5 a month for updates; the app keeps working if you stop the plan. It does not do payroll or sales tax filing. The free download records up to 60 entries. [See Tallyfinch](/bookkeeping/mcc-books-downloadable-bookkeeping-software) [Download it free](/tools/pro/trial/mccBooks) [Compare the three apps](/software) ## Want a cash forecast you can rely on? 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