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Spryhand

Small Business

Cash Runway Tracker

See how many months the money actually lasts once tax, insurance and other irregular payments land where they really land.

Delivery
Instant download
Purchase
One-time payment
Format
  • Google Sheets
  • Excel
Updated
August 2026
$5.90

What this spreadsheet does

Cash divided by average burn is the figure everyone quotes, and it overstates runway whenever a large payment falls inside the period. On the sample data it says 5.9 months against a real 4.

What you can do with it

  • Find the month a cash position actually breaks
  • See what quarterly tax does to a runway that looked comfortable
  • Decide when to act rather than discovering it late

What's included

Sheet tabs

  • Instructions
  • Runway
  • Summary

Features

  • Twelve months run in sequence, each opening from the previous closing balance
  • Irregular payments entered in the month they land rather than spread across the year
  • An operating floor, because runway ends where you cannot operate rather than at zero
  • Both answers shown: the simple division and the calendar, with the gap between them
  • Each month labelled in words against the floor, not as a signed number
  • Total and largest irregular payment surfaced separately

How it works

  1. 1Enter opening cash and the balance below which you cannot operate
  2. 2Fill in cash in and regular cash out for each month
  3. 3Put tax and annual renewals in the Irregular column in the month they land

Who it's for

Small business owners and founders watching a cash position.

Assumes revenue holds at the level entered. A runway calculated on assumed growth measures a hope rather than a floor.

Frequently asked questions

Why not just divide cash by monthly burn?

Because averages smooth out exactly the payments that break a cash position. Tax and annual renewals arrive whole, and the division assumes they arrive in twelfths.

What is the operating floor?

The balance below which you cannot pay a wage bill or a supplier who would stop supplying you. Runway ends there, not at zero, and on the sample data that is a month earlier.

How often should I update it?

Monthly when comfortable and weekly under six months. The frequency should rise as the number falls, which is the opposite of what usually happens.

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