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How much runway do you actually have?
Most new businesses underestimate how long it takes to hit break-even. Enter your startup costs, monthly burn, and available capital to see how many months you have — and whether it's enough.
Illustrative estimate · Not financial advice
Rent, food, insurance, car, debt payments — what you need to survive
Equipment, legal setup, licenses, website, first month inventory
Software, insurance, supplies — recurring costs before any revenue
Cash you can actually commit — not retirement accounts or home equity
Monthly burn rate
$5,300
Personal + business
Monthly revenue to break even
$6,625
Cover burn + basic profit
Runway with available capital
4.7 months
After startup costs, before any revenue
Funding gap
Estimates only. Break-even revenue uses a simplified 80% profit margin assumption — adjust for your business model. Safety buffer uses 3 additional months of burn rate. Does not include loan repayment, investor returns, or tax reserves. Consult a CPA and financial advisor before committing capital.
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Read Tax planningHow to Pay Quarterly Taxes as a Small Business Owner
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Read Tax deductionsWhat Counts as a Business Write-Off?
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ReadWork with Matt
Ready to build a plan?
Matt Reese, CPA helps new business owners plan their launch finances — entity choice, the first-year tax picture, and what to set aside before the first client check arrives.
Tax services provided through Matt Reese, CPA. This page is educational and does not constitute tax or investment advice.