Current plan
Your income and expenses stay as they are.
- Balance at month 12
- €30,000
- Monthly cash flow
- +€1,000/mo
- Falls below reserve
- Not within 12 months
Client Loss & Income Runway Calculator
See what happens to your finances if a major client leaves, and explore how to recover.
- Free, no sign-up
- Runs entirely in your browser
- Your numbers never leave your device
Your three scenarios
Same starting cash, same 12-month timeline.
Income loss
The selected income drops by the amount you choose. Nothing else changes.
- Balance at month 12
- -€3,000
- Cash flow once in effect
- -€2,000/mo
- Falls below reserve
- Month 8
Your Plan B
The same loss, plus your expense cuts and new revenue.
- Balance at month 12
- €20,700
- Cash flow once in effect
- +€700/mo
- Falls below reserve
- Not within 12 months
- A A — Current plan
- B B — Income loss
- C C — Your Plan B
- Minimum reserve
Financial overview
Current monthly income
€5,000
3 income sources
Monthly income at risk
€3,000
60% of your income
Monthly expenses
€4,000
€3,300 with your Plan B cuts
Monthly shortfall after the loss
€2,000
Expenses minus remaining income
Estimated runway (Scenario B)
≈ 7.5 months
Scenario B first ends a month below your minimum reserve in month 8. Cash would run out in month 11.
New revenue needed to break even
€1,300/mo
With your cuts. Without cuts: €2,000/mo
Your Plan B, in numbers
- Your monthly income would drop by 60% — from €5,000 to €2,000 — starting in month 2.
- Without any changes, you would spend €2,000 more than you earn each month.
- Scenario B: your balance would fall below your minimum reserve of €6,000 in month 8 (about 7.5 months if spending is spread evenly through the month).
- Your Plan B: your balance would stay at or above your minimum reserve of €6,000 throughout the 12 modeled months.
- Cutting expenses by €700 a month from month 2 would leave you €7,700 better off by month 12.
- Replacing €1,300 of monthly income would bring your cash flow to break even with your planned cuts, under the modeled assumptions.
- Your planned replacement revenue of €2,000 from month 5 covers the gap and improves your month-12 balance by €16,000.
- By month 12, your Plan B balance would be €20,700, compared with -€3,000 if you made no changes.
Backup plan checklist
Month-by-month projection
Save or export your results
Exports are created in your browser. Your numbers are never uploaded.
Illustrative planning tool, not financial advice. Results are estimates based only on the numbers you enter and the simplified assumptions described in our methodology. They do not account for taxes owed, irregular payments, inflation or interest. For decisions with significant consequences, talk to a qualified professional.
How to use the calculator
- Enter your starting position. Your cash reserves today, the minimum balance you want to keep, and your monthly expenses.
- List your income sources. One line per client or income stream, with the monthly cash you actually receive.
- Choose what could go wrong. Mark the income that might disappear, how much of it, and when.
- Build your Plan B. Add expense cuts and replacement revenue, then compare the three scenarios side by side.
What the three scenarios mean
Scenario A — Current Plan keeps everything as it is today. Scenario B — Income Loss removes the income you selected and changes nothing else, which shows the risk on its own. Scenario C — Your Plan B applies the same loss, then adds your expense reductions and new revenue from the months you choose. All three start from the same cash balance and use the same timeline, so the differences come only from the changes you model.
The calculation rules, including timing and rounding, are documented on the methodology page.
Frequently asked questions
What does “monthly net cash income” mean?
The money that actually reaches your account from a client each month and that you can spend — after income tax, VAT you pass on, and platform or payment fees. The calculator does not estimate taxes for you.
How is the runway calculated?
The calculator projects your cash balance month by month: each month, it adds that month's income and subtracts that month's expenses. Your runway is the point where the balance first ends a month below your minimum reserve (or zero, if you set no reserve). If that never happens within the modeled period, it says so rather than inventing a number.
Why can the estimated runway differ from the crossing month?
The crossing month is the first month whose closing balance is below your threshold. The estimated runway assumes money flows evenly through each month and estimates when, within that crossing month, the threshold is reached — so it always falls between the previous month-end and the crossing month. For example, a crossing in month 8 can mean an estimated runway of about 7.5 months. Both figures are estimates, rounded to avoid false precision.
Is my financial data stored or shared?
No. All calculations happen in your browser. Nothing you enter is sent to MyBPlan or any third party. By default nothing is saved. If you switch on “Remember my numbers”, your inputs are saved in your browser's local storage on this device only, and you can clear them at any time.
Is this financial advice?
No. It is an illustrative planning tool that shows the arithmetic consequences of the numbers you enter. It cannot predict client behaviour, taxes, or market conditions.