SME Cashflow & Runway Tracker — naijapreneur™
naijapreneur Tool · Finance

SME Cashflow & Runway Tracker

A simple monthly tool to see if your business is actually making money — and how many months of cash you have left before trouble. Built for Nigerian small businesses. Type your own figures; everything updates live.

Cash in bank today
↑ tap to edit your real balance
Net cashflow this month
642k
Months of runway left
1.2
The runway number is the one that kills businesses. It tells you how long you survive if income stopped today. Anything under 3 months is a red flag.
Step 1

Money coming in (this month)

Source Expected (₦) Actually received (₦) Status
Total money in 0 0
Step 2

Money going out (this month)

Category Fixed / Variable Amount (₦) % of spend
Total money out 0 100%

The verdict

How runway is calculated

Runway (months) = Cash in bank ÷ Monthly money-out

It answers one question: if all income stopped today, how many months of expenses could your current cash cover? If you are losing money each month, runway counts down. If you are cash-positive, you are adding to the cushion — so next month's runway grows. That is the goal: build it past 6 months.