This worst-case scenario calculator shows how long your business could keep the lights on if revenue stopped completely.
It factors in which costs you could cut immediately versus unavoidable fixed costs.
Purpose:
Enter your current cash, monthly fixed costs, variable costs that would disappear without revenue, and costs you could cut immediately in a crisis. The calculator shows your survival time in emergency mode.
Tips for Ongoing Use:
Bookmark this page (Ctrl+D or Cmd+D) for quick access.
- Review quarterly or when market conditions change
- Update your "cuttable costs" list as your business evolves
- Use results to set your target cash reserve amount
-Share with partners or advisors during planning sessions
Understanding Basics:
Survival runway differs from normal runway because it assumes zero revenue and emergency cost-cutting. Variable costs disappear when sales stop. Some fixed costs can be cut quickly, others cannot.
Benefits for SMEs:
- Stress-test your business against economic downturns
- Determine appropriate emergency fund targets
- Identify which costs could be cut fastest if needed
- Sleep better knowing your worst-case position
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