Freelancer waiting on invoices
- Money problem
- Income is earned but not yet paid, and bills don't wait.
- Runway Mind feature
- Income forecast + delayed-payment tracking
- Outcome
- See which weeks are at risk and protect safe-spend in advance.
Product overview
Runway clarity for income that doesn't arrive on schedule.
Track personal runway, forecast uneven income, protect tax buffers, calculate safe spending, and test financial decisions before they create stress.
Manual-first. No bank connection required to start.
Sample previewConnected modules
Personal runway
4.6 months
On trackBusiness runway
3.2 months
ProjectedIncome forecast
Aug at risk
WatchSafe spend
$43 / day
On trackTax buffer
25% reserved
ProjectedScenario room
6 saved
IdleSample insight
You're safe through July. August has a delayed invoice — protect $1,200 of safe-spend now.
Personal runway
Know how many months you're safe.
See how long your personal cash lasts at your real spending — not a generic budget. Adjust expenses and watch your runway and danger date update instantly.
- Current cash on hand
- Fixed monthly expenses
- Flexible spending
- Minimum monthly cost to survive
- Comfort runway versus survival runway
- Danger date if nothing changes
Personal runway
Sample previewComfort runway
4.6 months
Danger date · Sep 12
Current cash$18,420
Fixed expenses$2,650 / mo
Flexible spending$1,300 / mo
Minimum monthly cost$3,100 / mo
You have 4.6 months of personal runway at your current spending.
Business runway
Separate personal survival from business cash reality.
Two cash worlds, one clear picture. Track what your business can support, what's already committed, and how long it can fund your owner draw.
- Business cash on hand
- Recurring tools and software
- Contractor commitments
- Expected revenue this period
- Unpaid invoices
- Owner-draw support runway
Business runway
Sample previewOwner-draw support
3.2 months
Business cash$24,100
Recurring tools$680 / mo
Contractors$3,400 / mo
Expected revenue$11,200
Unpaid invoices$6,800
Your business can support your personal draw for 3.2 months.
Income forecast
Plan around invoices, launches, retainers, and delayed payments.
Your income doesn't behave like a salary, so your forecast shouldn't either. Weight income by confidence and see best, expected, and worst-case months side by side.
- Expected income by month
- Confirmed income (signed, scheduled)
- Delayed income (late payers)
- Probability-weighted income
- Best / expected / worst case bands
Income forecast
Sample previewMay
Jun
Jul
Aug
Sep
ConfirmedExpected Worst case
Expected income is strong in June, weak in July, and risky in August.
Safe spending number
Know what you can spend without breaking your runway.
One calm number that respects your fixed costs, your tax buffer, and the runway you want to protect. See how a purchase changes that number before you make it.
- Daily safe-spend
- Weekly safe-spend
- Monthly flexible spend ceiling
- Overspending impact in days of runway
- Runway change after a planned purchase
Safe spending number
Sample previewToday
$43
per day
Weekly
$301
Monthly flex ceiling
$1,290
What if I buy a $900 laptop?
Runway drops by 11 days. Safer alternative: split across two months.
You can safely spend $43/day this month and still protect 4 months of runway.
Tax buffer
Set money aside before it becomes stress.
Reserve a share of every payment for taxes, automatically. Track quarterly and yearly reserves and keep your tax-safe split clearly separated from spendable cash.
- Tax percentage per income source
- Per-payment set-aside amount
- Quarterly reserve target
- Yearly reserve projection
- Tax-safe split: spendable vs. reserved
Tax buffer estimates are planning guidance based on your inputs, not tax advice.
Tax buffer
Sample previewTax-safe split
25% reserved75% spendable
Per-payment set-aside$1,500
Quarterly reserve target$4,500
Yearly reserve projection$18,000
Reserved this quarter$3,200
Scenario room
Test the decision before your money feels it.
Run what-ifs against your real plan. See runway impact, risk level, and a safer alternative before you commit — not after.
- What if a client pays late?
- What if I buy equipment?
- What if I take a month off?
- What if a launch underperforms?
- What if I hire a contractor?
- What if I cut expenses by 20%?
Scenario room
Sample previewWhat if a client pays 30 days late?
Next step · Hold $1,200 of safe-spend until paid.
What if I buy $900 equipment?
Next step · Split across 2 months.
What if I cut expenses by 20%?
Next step · Lock in 2 of 4 cuts now.
Why Runway Mind
Budgeting apps track the past. Runway Mind shows how long you're safe.
Traditional budgeting apps
- Past spending reports
- Salary-cycle assumptions
- Generic categories
- Shame-based alerts
- Limited future planning
Runway Mind
- Future runway clarity
- Irregular income forecasting
- Tax buffer planning
- Safe spending guidance
- Scenario-based decisions
- Calm, non-judgmental insights
Use cases
Built for the way independent money actually works.
Runway Mind is built for people whose income doesn't fit a salary template.
Creator with uneven platform income
- Money problem
- Payouts swing month to month and break naïve budgets.
- Runway Mind feature
- Probability-weighted income + safe spend
- Outcome
- One calm number that respects best, expected, and worst cases.
Founder managing personal and business runway
- Money problem
- Two cash worlds blur into one source of stress.
- Runway Mind feature
- Personal runway + business runway, separated
- Outcome
- See how long the business can fund your owner draw.
Consultant balancing retainers and projects
- Money problem
- Retainers feel safe until two end in the same month.
- Runway Mind feature
- Income forecast bands + scenario room
- Outcome
- Test the gap before it happens and decide calmly.
Indie hacker planning launches and expenses
- Money problem
- A launch can pay for the year — or not.
- Runway Mind feature
- Scenario room: launch underperforms by 50%
- Outcome
- Know the runway impact before you commit the spend.
Agency owner handling cash timing
- Money problem
- Payroll, contractors, and client delays collide.
- Runway Mind feature
- Business runway + tax buffer split
- Outcome
- Keep payroll safe and taxes reserved, not co-mingled.
Get started
Stop guessing how long your money lasts.
Start with manual inputs, see your runway, calculate safe spending, and test what-if decisions — no bank connection required.