[Free Release] How many months can you survive as is? Freelance-specific cash flow shortage 'Runway Calculation Tool' now available
Factum Inc. has released a free 'Freelance Runway Calculation Tool' for freelancers and individual business owners. This Excel-based tool automatically calculates how many months one can continue operations based on current savings and monthly income/expenses, helping to alleviate financial anxieties.
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- 📰 Published: May 8, 2026 at 17:30
- 🔍 Collected: May 8, 2026 at 09:01
- 🤖 AI Analyzed: May 8, 2026 at 09:20 (18 min after Collected)
Factum Inc. (Headquarters: Kumamoto City, Kumamoto Prefecture; Representative Director: [Enter Representative's Name]), which supports cash flow management and resolution of accounts receivable issues, has released a free 'Freelance Runway Calculation Tool' for freelancers and individual business owners nationwide. This tool automatically calculates 'how many months one can continue activities' based on their current bank balance and monthly income/expenses.
This tool (Excel file) can be downloaded for free from our official blog. No troublesome membership registration is required, and it can be used immediately.
▼Click here for free download of the tool (company website)
[https://factum.co.jp/column/freelance-funding]
■ Background of Development: The Fear of 'Decreasing Bank Balance' Attacking Freelancers
For freelancers and individual business owners, the most terrifying situation is 'having sales but somehow no cash on hand, making payments impossible (black-ink bankruptcy)'. Due to discrepancies in payment cycles and the pressure of unseen fixed costs, many freelancers experience 'breaking into a cold sweat when looking at their bank balance at the end of the month'.
In the management of startups, the period until funds run out is called 'runway', and the monthly funds consumed are called 'burn rate', with these figures constantly monitored. Leveraging our expertise as cash flow specialists, our company independently developed this concept into a 'Runway Calculation Tool' to make it intuitively usable for individual business owners.
■ Three Features of the 'Freelance Runway Calculation Tool'
1. Input takes only 1 minute! Super simple design
Simply enter your current 'cash on hand (bank balance)', and monthly 'average sales' and 'fixed costs (rent, tool fees, communication fees, etc.)'. No complex accounting knowledge is required.
2. The cruel reality. Automatically calculates 'how many months you can survive'
It clearly calculates the period (runway) until your balance becomes zero, in '○ months', if you continue living and working at your current pace. Financial anxieties that were 'vaguely unsettling' become clearly visible as concrete numbers.
3. Simulation function reveals 'the next move'
By simply manipulating numbers, you can instantly simulate scenarios such as 'what if I cut 10,000 yen from subscription tool fees?' or 'how much would the runway extend if uncollected receivables were paid immediately?'.
Screenshot image of the tool
■ Advice from Cash Flow Professionals (Factum Inc.)
If the tool calculates a 'runway (lifespan) of less than 3 months', it is a very dangerous red zone (on the verge of cash flow shortage). In the unlikely event that a client's payment is delayed by even one month, there is an immediate risk of your life and business collapsing.
If your runway is short, please urgently consider the following measures:
1: Stop the bleeding of expenses: Immediately cut unnecessary subscriptions and excessive entertainment expenses.
2: Accelerate payment cycles: Negotiate payment due dates with clients, or secure safe funding methods.
3: Urge collection of uncollected funds: If there are overdue accounts receivable, take initial steps such as sending a demand letter.
In addition to distributing this tool, our website also provides free 'demand letter and content certification templates' to deal with unpaid issues. If you feel anxious about cash flow, please make use of them before it's too late.
▼Download tools and useful materials here
[https://factum.co.jp/column/freelance-funding]
■ Company Overview
Company Name: Factum Inc.
Representative: Takuya Yanagawa, Representative Director
Location: 4-13-26 Obiyama, Chuo-ku, Kumamoto City, Kumamoto Prefecture
Business Activities: Factoring, cash flow improvement consulting, accounts receivable management and collection flow support
Official Website: [https://factum.co.jp/]
This tool (Excel file) can be downloaded for free from our official blog. No troublesome membership registration is required, and it can be used immediately.
▼Click here for free download of the tool (company website)
[https://factum.co.jp/column/freelance-funding]
■ Background of Development: The Fear of 'Decreasing Bank Balance' Attacking Freelancers
For freelancers and individual business owners, the most terrifying situation is 'having sales but somehow no cash on hand, making payments impossible (black-ink bankruptcy)'. Due to discrepancies in payment cycles and the pressure of unseen fixed costs, many freelancers experience 'breaking into a cold sweat when looking at their bank balance at the end of the month'.
In the management of startups, the period until funds run out is called 'runway', and the monthly funds consumed are called 'burn rate', with these figures constantly monitored. Leveraging our expertise as cash flow specialists, our company independently developed this concept into a 'Runway Calculation Tool' to make it intuitively usable for individual business owners.
■ Three Features of the 'Freelance Runway Calculation Tool'
1. Input takes only 1 minute! Super simple design
Simply enter your current 'cash on hand (bank balance)', and monthly 'average sales' and 'fixed costs (rent, tool fees, communication fees, etc.)'. No complex accounting knowledge is required.
2. The cruel reality. Automatically calculates 'how many months you can survive'
It clearly calculates the period (runway) until your balance becomes zero, in '○ months', if you continue living and working at your current pace. Financial anxieties that were 'vaguely unsettling' become clearly visible as concrete numbers.
3. Simulation function reveals 'the next move'
By simply manipulating numbers, you can instantly simulate scenarios such as 'what if I cut 10,000 yen from subscription tool fees?' or 'how much would the runway extend if uncollected receivables were paid immediately?'.
Screenshot image of the tool
■ Advice from Cash Flow Professionals (Factum Inc.)
If the tool calculates a 'runway (lifespan) of less than 3 months', it is a very dangerous red zone (on the verge of cash flow shortage). In the unlikely event that a client's payment is delayed by even one month, there is an immediate risk of your life and business collapsing.
If your runway is short, please urgently consider the following measures:
1: Stop the bleeding of expenses: Immediately cut unnecessary subscriptions and excessive entertainment expenses.
2: Accelerate payment cycles: Negotiate payment due dates with clients, or secure safe funding methods.
3: Urge collection of uncollected funds: If there are overdue accounts receivable, take initial steps such as sending a demand letter.
In addition to distributing this tool, our website also provides free 'demand letter and content certification templates' to deal with unpaid issues. If you feel anxious about cash flow, please make use of them before it's too late.
▼Download tools and useful materials here
[https://factum.co.jp/column/freelance-funding]
■ Company Overview
Company Name: Factum Inc.
Representative: Takuya Yanagawa, Representative Director
Location: 4-13-26 Obiyama, Chuo-ku, Kumamoto City, Kumamoto Prefecture
Business Activities: Factoring, cash flow improvement consulting, accounts receivable management and collection flow support
Official Website: [https://factum.co.jp/]