Cash Flow
Runway Calculator
See how many months of cash your Singapore business has left. Enter your opening balance, monthly revenue and expenses for an instant runway estimate and 12-month projection.
Monthly Financials (S$)
COGS, commissions, delivery = S$3,750/mo
Used in 12-month projection
Opening Cash
S$50,000
Monthly Net Flow
+S$3,250
Break-even Revenue
S$21,176
Cash Runway
Cash flow positive
Cash flow positive — S$3,250/mo net
You are generating cash each month. Focus on sustaining and growing this surplus.
12-Month Cash Flow Projection
| Month | Revenue | Expenses | Net Flow | Closing Cash |
|---|---|---|---|---|
| Jun | S$25,000 | S$21,750 | +S$3,250 | S$53,250 |
| Jul | S$25,000 | S$21,750 | +S$3,250 | S$56,500 |
| Aug | S$25,000 | S$21,750 | +S$3,250 | S$59,750 |
| Sep | S$25,000 | S$21,750 | +S$3,250 | S$63,000 |
| Oct | S$25,000 | S$21,750 | +S$3,250 | S$66,250 |
| Nov | S$25,000 | S$21,750 | +S$3,250 | S$69,500 |
| Dec | S$25,000 | S$21,750 | +S$3,250 | S$72,750 |
| Jan | S$25,000 | S$21,750 | +S$3,250 | S$76,000 |
| Feb | S$25,000 | S$21,750 | +S$3,250 | S$79,250 |
| Mar | S$25,000 | S$21,750 | +S$3,250 | S$82,500 |
| Apr | S$25,000 | S$21,750 | +S$3,250 | S$85,750 |
| May | S$25,000 | S$21,750 | +S$3,250 | S$89,000 |
Accurate monthly accounts mean you see cash problems before they hit
Monthly bookkeeping and management reports show your real cash position, not a guess. We deliver clean books and a cash flow summary every month.
Runway Health Guide
< 3 months
Critical — act immediately
3–6 months
Caution — take action now
6–12 months
Healthy — stay focused
12+ months
Strong — invest in growth
The Formula
Burn Rate
= Fixed Exp + Variable Exp − Revenue
Cash Runway
= Opening Cash ÷ Monthly Burn Rate
Break-Even Revenue
= Fixed Exp ÷ (1 − Variable Exp %)
What is cash flow runway and why does it matter?
Cash flow runway is the number of months a business can continue operating at its current burn rate before cash reaches zero. It is the most important survival metric for any business that is not yet cash flow positive. A profitable business can still go bankrupt if it runs out of cash before invoices are collected.
In Singapore, B2B payment terms of 30–60 days are common. A business with strong sales but slow-paying clients can find itself cash-negative even when the P&L looks healthy. Knowing your runway forces you to manage receivables aggressively and keep an eye on the actual bank balance, not just the profit figure.
What is the difference between cash flow and profit?
Profit is an accounting concept — it includes revenue you have earned but not yet collected, and excludes cash you have spent that is not yet an expense (prepayments, stock). Cash flow is what actually moves through your bank account. You can be profitable on paper and cash-negative at the same time.
This is why your monthly management accounts should include both a P&L (profitability) and a cash flow statement (liquidity). The two tell different parts of the story. Our monthly reporting delivers both so you always know where you stand on both measures.
How can Singapore SMEs extend their cash runway quickly?
The fastest levers are: cut discretionary fixed costs immediately, chase overdue receivables aggressively (Singapore B2B payment averages 45 days — even reducing this to 30 days frees significant cash), negotiate longer payment terms with suppliers, and pause non-critical capital expenditure. Clean books are a prerequisite — you cannot cut what you cannot see.
Use the expense cut scenario toggle in the calculator above to model the impact of a 10%, 20% or 30% reduction in fixed costs on your runway. Small cuts often have a much larger impact on runway than expected because they compound month after month.
Frequently asked questions
How much cash runway should a Singapore startup have?
Most investors and advisors recommend 12 to 18 months of runway for startups. For bootstrapped SMEs, 6 months is the minimum safe level. Below 3 months, the business is in crisis territory and needs immediate action. The goal is always to get to cash flow positive before runway runs out.
Does this calculator handle GST-inclusive revenue?
Enter your revenue as the amount actually received in your bank account. If you are GST-registered, that means the GST-exclusive amount (your 9% GST collected belongs to IRAS, not you). Using GST-inclusive revenue would overstate your cash position because the GST component must be remitted quarterly.
What is variable expense percentage?
Variable expenses are costs that scale with revenue — cost of goods sold, delivery, commissions, payment processing fees. Express these as a percentage of revenue. For example, if your gross margin is 70%, your variable cost percentage is 30%. For pure service businesses with no COGS, this may be 0%.
Can I use this for fundraising or bank loan applications?
This calculator gives you the core projections you need, but a bank or investor will require more detailed financial statements and a formal cashflow forecast. We can help by preparing accurate monthly management accounts and financial statements from which a proper forecast can be built.
See your real cash position every month
Monthly bookkeeping and management reports show your actual cash position, not a guess. We deliver clean books, P&L and cash flow summary every month — fixed fee, no surprises.
