The finance copilot for your business
How many months of cash you have left
The question every owner asks at the end of the month: how long will the money last? Divide today's cash by what the business burns each month and you know how many months you have to change course.
Calculate
- Months of cash
- 6
- Net monthly burn
- ₡500,000
- Status
- healthy
Indicative calculation under current rules; it does not replace professional advice or an official figure.
How it is calculated
Net monthly burn = average outflows minus average inflows. If inflows cover outflows you are not burning cash and the indicator does not apply.
Months of cash = available cash divided by the net monthly burn.
Banker treats six months or more as healthy, three to six as alert, and under three as critical; the same thresholds the app's cash module uses.
Example
Example: ₡3,000,000 in cash with ₡2,000,000 of monthly inflows and ₡2,500,000 of outflows gives six months of cash.
Banker calculates your available cash and months of cash every day, with your BAC account connected. Create account
Frequently asked questions
What counts as available cash?
Money in bank accounts and cash you can use today, excluding receivables and unused credit lines.
How many months of cash should a business have?
A common reference is three to six months of outflows. Under three months calls for action: collect faster, cut, or finance.
How do I improve my months of cash?
Collect receivables on time, negotiate supplier terms, set aside provisions early and review every recurring expense.