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.