Cash-Flow Survival Runway Calculator
A profitable business can still go bankrupt if cash dries up before customer payments arrive. Track your available bank balance, pending 30-day Udhaar receivables, and monthly vendor outflows to know your exact safety runway.
Cash-Flow Survival Runway
Profit on paper doesn't pay suppliers. Cash in the bank does. Track when your account will run empty if collections slow down.
Available Cash & Collections
₹2,25,000 LiquidityOnly count realistic payments you expect to collect this month.
Monthly Cash Outflows
₹1,78,000/moNet Monthly Burn vs Surplus
Monthly cash drain
Monthly sales cover all outflows
Emergency Cash Conservation Checklist:
Why Working Capital Kills More Businesses Than Lack of Profit
The difference between accounting profit and real cash solvency.
The Udhaar Cash Gap
When customers owe you ₹50,000 in credit, your books show revenue, but your bank balance is ₹0. If your landlord demands rent tomorrow, paper profits won't clear the cheque.
Over-Purchasing Dead Inventory
Buying ₹1,00,000 worth of slow-moving stock because the wholesaler gave a 5% bulk discount locks your precious liquid cash on a wooden shelf for months. Always preserve cash over marginal volume discounts.
The 90-Day Safety Rule
Every healthy Indian enterprise should maintain at least 60 to 90 days of fixed operating expenses in a liquid savings account or sweep-in fixed deposit to weather seasonal dips and festive delays.