Toledo Technologies shop

Free tool · runs entirely in your browser

How long can you keep this up?

Enter your cash, your average month, and any one-off hits or windfalls you already know about. Nothing is sent anywhere — the math happens on this page.

Business accounts only. Be honest, not hopeful.

Look at the last 6 months and average them. Not your best month — the average.

Everything: tools, taxes you set aside, your own draw.

Things you already know are coming: a tax payment, a laptop, a signed deposit. Negative amounts are money out.

Your runway

— months

Net per month
—
Estimated depletion month
—
Projected cash after 12 months
—

Enter your numbers.

Month-end estimate, rounded to cents. Month 1 is next month; one-offs apply at the end of their selected month. This does not model cash movements within a month.

Make it a habit

A number you check once is trivia. A number you check weekly is steering.

Get the 13-week spreadsheet habit by email — one short message a week on running the forecaster, reading the trend, and knowing when to say no to work. Or skip the course and take the workbook itself: the Cash Flow Command Center is the exact 13-week forecaster this calculator is a sketch of, for $39.