Dental practice cash runway calculator · Free tool
Explore your cash runway, choose a reserve target, and see what slower collections could mean for your dental practice.
Illustrative example. These are sample figures, not Orus or client data. Replace them with your own assumptions.
Cash available after set-asides
Hover or tap a month to see available cash. With the chart focused, use Left and Right arrows to change months, Home or End to jump, and Escape to dismiss the value.
Straight-line scenario, not a forecast. Negative balances represent an unfunded shortfall, not available overdraft. The scale adjusts to the selected scenario; compare the axis values when changing assumptions.
Applies the reduction every month, starting now. Cash outflows stay unchanged.
Cash runway estimates how long available cash can cover a monthly cash shortfall. Divide cash at bank, less amounts already set aside, by the amount monthly cash outflows exceed collections. When collections cover outflows, this model shows no depletion—not unlimited financial safety.
This calculator does not prescribe a reserve amount. Choose a number of months and multiply it by monthly cash outflows to explore a target. Discuss payment timing, payroll, debt commitments, collection delays and planned spending with your accountant. The example’s three-month selection is not an industry benchmark.
Use patient and insurer payments actually expected to reach your bank account. Production and unpaid invoices are not available cash. Use cash payments for outflows, including applicable debt principal, taxes and owner draws; exclude depreciation and obligations already covered by your set-aside cash.
No. No-collections coverage divides available cash by all monthly cash outflows, assuming no receipts. Runway uses only the monthly shortfall after expected collections. They answer different questions and should not be used interchangeably.
Using the illustrative figures above, $180,000 at bank less $30,000 set aside leaves $150,000 available cash. Monthly collections of $65,000 and outflows of $60,000 leave a $5,000 surplus. With no collections, the same cash covers 2.5 months of outflows.
If collections fall by 20%, receipts become $52,000 and the monthly shortfall is $8,000. Runway is $150,000 ÷ $8,000 = 18.75 months under those unchanged assumptions. The chart shows only the first 12 months; the runway calculation can extend beyond it.
A selected three-month reserve target is $60,000 × 3 = $180,000, leaving a $30,000 gap. With the original $5,000 monthly surplus fully retained, reaching that target takes 6 months. These are sample calculations, not client results or a forecast.
About this tool. Created by Orus Management, providing dental bookkeeping and payroll support for practices in Greater Vancouver. Meet the people behind Orus. The calculation method and limitations are set out below; this is an educational planning aid, not individualized financial advice.
This simplified planning aid ignores within-month payment timing, seasonality, changing costs, financing and future one-off expenses. Include future taxes and owner draws in outflows as appropriate; do not enter depreciation. Keep already-funded obligations separate. A positive month-end balance does not prove you can meet every payment when due. Not tax, lending or investment advice.
No inputs are saved, sent to Orus, or put in the contact link. Reloading clears your changes. No patient, employee or account-identifying information is needed. Review your assumptions with your accountant before relying on the result.
Orus helps organize your monthly bookkeeping and reporting, so you have a clearer starting point for decisions like these.