Is Decidely completely free to use?

Yes, Decidely is 100% free forever. There are no subscriptions, no locked pro tiers, no credit card requirements, and no login gates. All 20+ calculators, amortization schedules, and comparison engines are fully accessible to everyone.

How does Decidely guarantee zero calculation errors or AI hallucinations?

Unlike generative AI language models that predict numbers probabilistically, Decidely executes pure deterministic client-side mathematics using standard financial equations (such as the standard amortization formula M = P[r(1+r)^n]/[(1+r)^n - 1] and compound interest formulas). Every formula, assumption, and worked example is published transparently.

What is the 20/4/10 rule for car affordability?

The 20/4/10 rule is a conservative personal finance guideline for buying a car: put at least 20% down, finance the vehicle for no longer than 4 years (48 months), and ensure total monthly vehicle expenses (loan payment, auto insurance, fuel/charging, and maintenance) do not exceed 10% of your gross monthly income.

How does Decidely compare renting versus buying a home?

Decidely's Rent vs. Buy Calculator runs a multi-year Net Present Value (NPV) projection that factors in home appreciation, mortgage interest, property taxes, insurance, routine maintenance (1% rule), and selling closing costs versus renting plus investing the down payment and monthly cash flow differences into a broad-market index fund.

What is the difference between the Debt Avalanche and Debt Snowball payoff strategies?

The Debt Avalanche method pays off debts in order of highest interest rate (APR) first, which mathematically minimizes total interest paid and results in the fastest debt freedom. The Debt Snowball method pays off debts in order of smallest balance first, which provides early psychological and behavioral wins.

How can I download and install Decidely on Android offline?

You can download the official Decidely Android v1.2 APK directly from https://decidely.site/download. The APK is 17.0 MB, cryptographically signed, requires Android 8.0+, runs 100% offline with zero data telemetry, and features all 22 verified financial calculators.

Does Decidely work without internet, cellular, or Wi-Fi?

Yes. Both the Decidely progressive web app and the standalone Android APK execute all financial mathematics completely client-side in your device runtime. You can calculate mortgages, auto loans, compound growth, and debt payoffs in airplane mode with 0ms calculation latency.

100% Free Deterministic Financial Tool

How to Calculate Burn Rate & Runway Months

Calculate monthly gross burn, net burn, and operational runway in months for startups, small businesses, and freelancers.

• Verified Financial Math • Zero Telemetry / 100% Private • Instant Client-Side Computation

Interactive Startup Burn Rate & Runway Calculator

How do I calculate startup burn rate and runway?

              Ready to Compute
            

Enter your financial parameters below to generate an instant, 100% deterministic breakdown with sensitivity analysis and scenario comparison.

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Mathematical Formulation & Methodology

Decidely executes pure deterministic client-side mathematics. Unlike probabilistic AI models that guess numerical results, every calculation is calculated using standard financial accounting equations:

            Gross Burn = Sum of Monthly Expenses. Net Burn = Gross Burn - Monthly Revenue. Cash Runway (Months) = Cash Reserves ÷ Net Monthly Burn.
          

Baseline Assumptions & Standards

Assumes steady monthly operating expenditures without sudden one-off capital expenditures
Net burn accounts for predictable recurring monthly revenues
Runway calculation reflects months until zero cash reserves at current trajectory

Worked Example: $250,000 Cash with $35,000 Expenses & $10,000 Revenue

An early-stage software startup monitoring runway before their next seed fundraising round.

Example Inputs

Cash Balance $250,000

Gross Monthly Expenses $35,000

Monthly Revenue $10,000

Calculated Output

Gross Burn $35,000/mo

Net Burn $25,000/mo

Runway 10.0 Months

Key Financial Takeaway:

At a net burn of $25,000/month, the company has 10.0 months of runway and should initiate fundraising by month 6.

Frequently Asked Questions

What is the difference between Gross Burn and Net Burn?

Gross burn is the total cash spent each month on operating expenses (payroll, software, rent). Net burn is gross burn minus incoming revenues, representing the actual monthly cash depletion.

How much runway should an early-stage startup maintain?

Most venture capitalists recommend maintaining 18 to 24 months of cash runway to allow adequate time for product development, market traction, and fundraising.

How can a company extend its cash runway?

Runway can be extended by cutting discretionary operating expenses (software seat cleanup, marketing efficiency), improving customer cash collections, or renegotiating vendor agreements.

How to Calculate Burn Rate & Runway Months

Interactive Startup Burn Rate & Runway Calculator

Mathematical Formulation & Methodology

Baseline Assumptions & Standards

Worked Example: $250,000 Cash with $35,000 Expenses & $10,000 Revenue

Example Inputs

Calculated Output

Frequently Asked Questions

What is the difference between Gross Burn and Net Burn?

How much runway should an early-stage startup maintain?

How can a company extend its cash runway?

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