If no money came in, how long could you keep paying everyone?
Most owners don't know. This takes 30 seconds.
4,900Construction firms entered administration in FY2024–25ASIC Series 3.1
27%Of all Australian corporate insolvenciesASIC 2023–24
82%Of businesses hit by late or overdue paymentsCreditorWatch 2025
Jobs keep moving. Invoices go out. But wages, subcontractors and suppliers don't wait. The gap between work completed and cash received is where pressure builds — gradually, then all at once.
01What is actually in the bank today?Cash available now. Not limits. Not expected transfers.
$
02Roughly how much is owed to the business?Unpaid invoices. Retention. Work done but not yet billed.
$
03What leaves the account each month regardless?Wages. Subcontractors. Suppliers. Overheads.
$
OptionalATO debt or large bills coming up?Tax debt, equipment finance, a big materials order.
$
What if things slip?Adjust to see how delays or cost increases affect your runway.
Payments arrive late by0 days
Costs increase by0%
Cash runway
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days—
Projected zero date—If no income arrives from today