Is this calculator updated for the 2026/27 tax year?

Yes, all calculators are fully updated with the latest HMRC thresholds, personal allowances, and National Insurance rates for 2026/27.

Can I use this for official tax submissions?

These tools are for estimation and illustrative purposes only. For official tax returns, please consult a qualified accountant or reference HMRC directly.

Free Startup Burn Rate & Runway Calculator: Cash Forecast

Startup Burn Rate & Runway Calculator

✓ Verified for 2026/27

Cash & Burn Figures

Current Bank Cash Balance

Monthly Cash Receipts / Revenue

Monthly Cash Outgoings / Expenses

Months of Runway

10.0 months

until bank cash runs out

Monthly Net Burn

£10,000

net cash decrease per month

Current Cash Balance

£100,000

liquid assets

Monthly Cash Outflow

£25,000

total monthly spend

Runway Analysis

Total Cash Balance £100,000

Monthly Net Burn £10,000

Estimated Days of Runway 304 days

Cash 90%

Net Burn 10%

ℹ️ Net Burn Rate is the rate at which a startup loses money in a negative cash flow situation. Runway is the amount of time (usually expressed in months) that a business has before it runs out of cash, assuming revenue and expenses remain constant.

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Verified for Accuracy (2026/27 Tax Year)

Fact-checked and audited by David Vance, CTA FCA, Chartered Tax Advisor & Accountant. Verified against official HMRC rules.

How We Calculated This

Input variables: Enter the relevant amounts, rates, or percentages in the form.
Real-time breakdown: The calculator applies HMRC rules and thresholds for the 2026/27 tax year to process the values.
Display outputs: The visual graphs, donut charts, and tables are compiled dynamically to show your net take-home and deductions.

Real-World Examples

Standard Scenario

A basic calculation applying standard UK tax bands and allowances.

Calculation runs based on standard HMRC rules.

With Pension or Deductions

Factoring in a percentage of salary sacrifice or pension contributions.

Deductions are calculated and adjusted accordingly.

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Frequently Asked Questions

What are burn rate and cash runway for startups?

Burn rate is the rate at which a company spends its cash reserves (usually expressed monthly). Cash runway is the amount of time (expressed in months or days) that a startup has before it runs out of cash, assuming revenue and expenses remain constant and no new funding is received.

What is the difference between gross burn and net burn?

Gross burn is the total amount of cash spent on operating expenses each month (e.g. rent, salaries, software). Net burn is the actual cash loss per month, calculated by subtracting gross monthly revenue from gross monthly expenses. If your startup is pre-revenue, gross burn equals net burn.

How much cash runway should a healthy startup maintain?

Most venture capital experts recommend that startups maintain a runway of at least 12 to 18 months. This gives the founders enough time to reach profitability, adjust their cost structure, or plan and close their next round of fundraising, a process which typically takes 6 to 9 months.