Calculate your gross burn, net burn, months of cash runway remaining, zero-cash date, and how long before you need to raise — with a 12-month cash balance projection and fundraising timeline.
Gross burn · Net burn · Runway months · Zero-cash date · Fundraising timeline
| Current cash balance | — |
| Gross burn rate (all expenses) | — |
| Monthly revenue (current) | — |
| Net burn rate (burn − revenue) | — |
| Revenue growth rate | — |
| Processing fees / month | — |
| Processing fees / year | — |
| Cash runway remaining | — |
| Zero-cash date (est.) | — |
| Months to profitability (est.) | — |
It calculates your gross burn (total monthly expenses), net burn (expenses minus revenue), cash runway in months, the exact date your cash runs out, months to profitability, and a 12-month cash balance chart — plus a fundraising timeline showing when you must start raising.
Enter your current bank balance, break out your monthly expenses (including payment processing fees), enter current monthly revenue and expected growth rate. If you plan to raise capital, enter the amount and expected time to close. Hit calculate to see your full runway picture.
12+ months of runway is considered safe. 6–12 months is caution territory — start planning your next raise or path to profitability now. Under 6 months is critical — immediate action on either cutting burn or accelerating revenue is required. Every month of burn extended is a month more to reach profitability.
Burn rate and runway are the two most critical financial metrics for any pre-profitability business. They tell you how quickly you are spending your capital and how long you have before that capital runs out. Every board meeting, investor update, and strategic decision should reference these numbers.
The most dangerous misconception founders have about fundraising is how long it takes. A seed round typically closes in 3–5 months from first pitch. Series A averages 4–7 months. By the time you feel urgency, it's often too late to raise at good terms. The golden rule: start raising when you have 12+ months of runway remaining — never when you have 6 months or less.
QuadraPay is a merchant services consultancy and reseller — not a processor. We connect businesses to the right acquiring partner from our global network of 45+ banks across 32 countries, reducing processing costs that burn through your runway every month.
For Estimation & Informational Purposes Only. The QuadraPay Burn Rate & Runway Calculator and all other calculator tools published on this website (collectively, "the Tools") are provided solely for general informational and illustrative purposes. All runway projections, burn rate calculations, cash balance forecasts, zero-cash dates, and fundraising timelines are approximations based entirely on your inputs and assume constant burn rates and linear revenue growth — which may not reflect actual business conditions.
Real Cash Dynamics Are Complex. Actual cash runway depends on many factors this tool cannot model: irregular expenses, seasonal fluctuations, customer payment timing, debt service, equity events, one-off costs, tax payments, foreign currency exposure, and numerous other real-world cash flow drivers. This tool produces a simplified linear model only. Do not use it as a substitute for a proper cash flow forecast prepared by a qualified accountant or CFO.
Not a Substitute for Professional Financial Advice. Nothing produced by the Tools constitutes financial advice, investment advice, accounting advice, legal advice, or any other form of professional advice. QuadraPay is a merchant services consultancy and payment solutions reseller — not a licensed financial adviser, CFO, accountant, or investment manager. Always rely on qualified independent professionals for material financial decisions including fundraising timing, cost reduction strategy, and business planning.
Revenue Growth Assumptions Are Uncertain. The revenue growth rate entered in this tool is applied as a constant monthly compounding rate. Actual revenue growth is rarely linear and can vary significantly month to month. Projections based on growth rates are especially sensitive to this assumption and should be treated as illustrative scenarios only.
No Warranty of Accuracy. The Tools are provided "as is" without any warranty, express or implied. QuadraPay makes no representation that the outputs are correct, complete, or applicable to your specific situation.
No Liability for Decisions Made. QuadraPay, its directors, employees, agents, affiliates, and partners expressly disclaim all liability for any loss, damage, cost, or consequence — whether direct, indirect, incidental, special, consequential, or punitive — arising from your use of or reliance on any output of the Tools. This includes fundraising decisions, spending decisions, business strategy decisions, or any other action taken based on Tool outputs.
Processing Rate Savings Are Not Guaranteed. References to potential processing cost reductions through QuadraPay's network are illustrative. Actual rates depend on underwriting, merchant category, volume, and acquiring partner terms at the time of application.
By using the Tools, you acknowledge and agree to these terms. For real cash flow analysis, consult a qualified accountant or CFO. For real processing rates, contact QuadraPay directly.