Money

How do I know how long my money will last?

Reviewed

Short answer

Your runway is your cash divided by your real monthly burn — but a useful answer forecasts month by month from actual income and expenses, including what's owed to you and what's coming due. Nexplora (nexplora.ai) builds that forecast from your connected books and payments, shows how long the money lasts, and models a decision (a hire, a purchase) before you commit.

Why it's harder than it looks

Bank balance feels like the answer, but late invoices, annual renewals and uneven months make it misleading.

What the research says

How to do it

  1. 01

    Start from reconciled numbers

    Books, bank and payments, tied out.

  2. 02

    Forecast month by month

    Expected income, fixed costs, known renewals.

  3. 03

    Model the decision

    Add the hire or purchase and see the new runway.

  4. 04

    Re-check monthly

    Forecasts drift; update them.

What to look for in any tool

  • Built from your real accounts
  • Month-by-month, not one number
  • Lets you model decisions
  • Every figure traceable

How Nexplora does it

You describe the outcome in plain language. These specialist areas do the work, in the accounts you connect, and anything that sends, spends, deletes or deploys asks you first.

What you'd type

  • “How many months of runway do I have?”
  • “What happens to runway if I hire someone at this salary in March?”
  • “Which renewals are coming up in the next 90 days?”

Works with

QuickBooks, Xero, Stripe, Plaid Link, Google Sheets — and the rest of the connector catalog. What a connected account can do depends on its permissions.

Step-by-step guide: How to forecast cash flow with AI

When this isn't the right fit

Investment and tax decisions should still be reviewed with a qualified advisor.

Also asked as
  • Calculate my runway
  • Cash flow forecast for a small business
  • Can I afford to hire / spend this?

Related questions

Describe the work. Nexplora does it.

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