Billing & cash timing calculator
Your ARR is what you booked — not what's in the bank. See how much cash you actually collect this year depending on whether customers pay annually, quarterly or monthly, and how much runway annual billing buys you.
Total annual value of the deals you’ll sign over the year.
Whatever’s left is billed monthly.
50% billed monthly
Used to translate the cash into runway.
$418k
- ARR you’ll book$600k
- Collected as cash70% of booked
- Runway annual billing adds+1.2 mo
Reasonably front-loaded
A solid chunk arrives early. Nudging more customers to annual prepay is one of the cheapest ways to add runway.
Benchmark Annual-upfront billing turns booked ARR into cash you can spend now
Cash collected through the year
Your mix lands $418k in the bank by year-end; billing everyone monthly would land only $325k. The gap is runway you either have or have to raise.
Why it matters
Founders pitch ARR but spend cash, and the two diverge sharply depending on how customers pay. Bill monthly and you collect barely half your booked ARR within the year — funding the rest yourself; bill annually upfront and customers effectively lend you a year of cash, interest-free. It's one of the cheapest runway levers there is, and one of the most commonly missed. Pair it with the Runway tool to see the effect on your zero-cash date.
Stop recalculating by hand
Radley Finance keeps this metric — and every other — live from one model, with the same benchmarks built in. Investor-ready in under an hour.
'/%3e%3cpath%20d='M47.5809%2050.288L45.1347%2047.8474C47.4479%2046.5222%2049.3089%2044.5371%2050.4774%2042.1484L53.1211%2044.7856L47.5809%2050.288Z'%20fill='%234B699E'/%3e%3c/svg%3e)