Free tool · For founders

How long will your money last?

Free, without email
How long today’s cash lasts, including your plan.
With your email
The monthly chart and table, plan effects, raising timeline and a PDF.
Coverage and sources

Enter your cash, revenue and costs to see your runway straight away. Then add your hiring plan, a churn change or a price change, and see what each one does to it.

  • Free. Your runway needs no email.
  • Compared with Carta's time between rounds (Q1 2026)
  • Dollars for the US, euros for Europe
Where you are today

All spending, payroll included.

0 if you have none yet.

Today's growth, after churn. Blank counts as 0.

Leave blank if you don't sell subscriptions.

Assumptions

Our assumption: 6 months from first meeting to money in the bank. Change it if you expect faster or slower.

How it works

Month by month, for three years

The calculator runs your company forward one month at a time, for 36 months, with no guesswork added.

  1. 01

    Revenue

    Revenue grows each month at the rate you give. A churn change adds the churn you save to that growth, and a price change moves all revenue once, in the month you choose.

  2. 02

    Costs

    Costs stay at today's level, plus each hire's monthly cost from the month they start.

  3. 03

    Cash

    Each month's cash is last month's, plus revenue, minus costs. Your runway is the number of whole months before it goes below zero.

  4. 04

    What you get

    Your runway is free. With your email: the month-by-month chart and table, when to start raising, your break-even month if you reach one, what each change in your plan does, and a PDF.

The yardstick

How long companies take to raise again

Time to the next round, and bridge rounds (Carta, Q1 2026)
StageMedian time to the next roundBridge rounds
Seed2.0 years, to Series A29% of rounds
Series A2.1 years, to Series B33% of rounds

US companies on Carta. The median is the middle company: half take longer. A bridge round is extra money raised within a stage before the next round; the shares cover 2026 so far. Carta doesn't publish these figures for pre-seed.

Sources: Carta, State of Private Markets: Q1 2026

Worked examples

Three companies, run forward

US seed, $2.4M in the bank, $40k revenue growing 4%, $180k costs, no plan

20 months of runway

20 months: shorter than the 2.0 years US companies typically take from seed to Series A (Carta, Q1 2026).

  • If nothing changes: 20 months, cash runs out Aug 2028

The same company, hiring three people in months 2, 4 and 6

15 months of runway

15 months: shorter than the 2.0 years US companies typically take from seed to Series A (Carta, Q1 2026).

  • If nothing changes: 20 months, cash runs out Aug 2028
  • With your plan: 15 months, cash runs out Mar 2028

Europe seed, €1.5M, €20k revenue growing 5%, €110k costs, two hires

15 months of runway

15 months: shorter than the 2.0 years US companies typically take from seed to Series A (Carta, Q1 2026).

  • If nothing changes: 19 months, cash runs out Jul 2028
  • With your plan: 15 months, cash runs out Mar 2028
Questions

Burn, runway and when to raise

What's the difference between gross and net burn?
Gross burn is everything you spend in a month. Net burn is what you spend minus what comes in: the rate at which the bank balance actually falls. Runway depends on net burn, which is why this calculator asks for revenue and costs separately.
How much runway should a round buy?
Enough to reach the next round with time to spare. In Carta's latest figures (Q1 2026), US companies took a median of 2.0 years to get from seed to Series A, and half took longer. Planning for a runway shorter than that means planning to raise again before most companies like yours do.
What does break-even mean here?
The first month in which revenue covers costs. If that comes before the money runs out, the company no longer depends on its next round to survive, which changes how investors read it.
Why does it assume 6 months to raise?
Because a round rarely closes in less time, from first meeting to money in the bank. It's our assumption, not data, and you can change it under Assumptions. The start-raising date is your cash-out month minus this time.
About this tool

Where the numbers come from

By the Early Capital desk. Reviewed by Wissam Adli, founder of Early Capital AI.

Data as of Q1 2026 · Updated 1 June 2026 · Sources: Carta

A planning estimate, not financial advice.