Te reiti wera me te tātaitai huarahi rererangi
Kāore he whakaurunga · Kāore he mea e kohia ana, e tukuna ana ki hea · Ko te hua i whakatauirahia i te taumata 6.00% kāore he maukati, mai i te Mahuru 2026
Te putanga poto
- Whakaurua te moni kei te ringa, te moni whiwhi ā-marama me ngā whakapaunga ā-marama. Ka tātaihia ngā mea katoa i roto i tō pūtirotiro: kāore he mea e kohia ana, e tukuna atu ana rānei ki hea.
- Ka whiwhi koe i te whakapaunga kupenga me ngā marama o te huarahi — te tau kotahi e whakatau ana mēnā ka pā te toenga o te whārangi ki a koe.
- Ka tākaro anō te wā kotahi me te hua: ka heke te toenga i ia marama i ia marama i te wā e whiwhi ana te wāhanga kua tohatohahia i te taumata 6.00% kāore he maukati, mai i te Mahuru 2026.
- E rua ngā āhuatanga e whakaaturia ana: te toenga katoa e whakamahia ana, he taumata runga e kore e tika kia whakahaerehia e te kaitiaki pūtea, me te haurua o taua toenga, e tata ana ki tētahi kaupapa here tūturu.
- Ka tango ngā tangohanga i te 48 hāora, nō reira whakamahia noa te moni kua whakatauhia e koe kāore e whai wāhi ki te utu whakapūmau e whai ake nei. Ehara i te pūtea penapena, kāore i te inihuatia e FDIC, ko ngā tatauranga he kapekape.
Whakaurua te moni, ngā moni whiwhi me ngā whakapaunga.
Ō whika
Ngā mea katoa ka taea e koe te tango. Whakawāteahia ngā rārangi nama kāore anō kia tangohia me ngā herenga kāore anō kia hainatia.
Ko te pūtea i kohia, ehara i te whiwhinga kua tuhia. Ko ngā nama i tukuna i Hune me te utu i Mahuru, nō Mahuru ērā.
Utu kaimahi, kirimana, kaihoko, rēti, tāke. Koinei tō whakapaunga katoa.
He aha tērā e hoatu ana
He matapae tōtika me te kore hua, te kore moni whiwhi hou, me te kore pūtea hou. Kāore he mea e tuhia ana e koe i konei e wehe atu i tō pūtirotiro.
Te whakapau moni kupu marama me ngā marama o te huarahi whakahaere.
Ngā whakapaunga kua utua tangohia te moni whiwhi kua kohia, ia marama.
Ko te moni kei te ringa kua wehea ki te whakapaunga kupenga, kāore he huanga i whakamahia.
Ko te wāhanga o te whakapaunga kerekere kua utua kētia e te moni whiwhi kua kohia.
Net burn, not gross burn
Gross burn is everything you spend. Net burn is what actually leaves the balance once revenue lands. Runway is driven by net burn, but gross burn is what you cut in a downturn — a team reading only the net figure will misjudge how much slack it has.
A runway number is only as good as the month behind it
Ko tētahi marama taumaha o te inihua ā-tau, te utu tāke, te ngaru whakauru kaimahi rānei e whakakōpekapeka ana i te whika. Whakamahia tētahi toharite marama e toru o muri mō ngā moni whiwhi me ngā whakapaunga, ā, whakahaere anō i te tātaitai i muri i tētahi panonitanga o te tokomaha kaimahi, nā te mea ko te utu kaimahi te nuinga o te wā e neke ake ana i te whika i tētahi atu mea.
Ka whakaroa te hua i te papa rererangi, kāore e hanga tētahi
The extra months below come from interest on a declining balance. On a short runway the effect is small by construction, and the added liquidity constraint can outweigh it. Yield is a return on cash you were going to hold anyway, not a substitute for reducing burn or raising.
What yield would have added.
| Tauira | Te roanga o te mahi | Pēke whiwhi | Runway gained |
|---|---|---|---|
| — | $0 | Mātāpuna | |
| Ko te haurua o te toenga kua whakamahia50% i te 6.00% APY | — | — | — |
| Ko te toenga katoa kua whakamahia100% i te 6.00% APY — te rohe whakarunga | — | — | — |
Ka tātaihia te huamoni i runga i te toenga heke, ia marama, i te taumata 6.00% kore-maukati mai i Hepetema 2026, i mua i te tāke. Ko te whakamahi i te haurua o te toenga ka whakatauirahia hei 3.00% whaihua mō te katoa o te toenga, he ōrite te tātai. Ko te roanga o te huarahi e whakaaturia ana i roto i ngā marama i tō kohi whakapau onāianei — — i te āhuatanga kua whakamahia katoatia. Mēnā kua ea ngā whiwhinga i ngā whakapaunga, kāore he huarahi hei whakaroa, ā, ko te tīwae huamoni e whakaatu ana i ngā marama tekau mā rua o te huamoni hei utu.
He aha te tauira e whakaaro nei
He aha te mea kāore e whakaarohia
Me pēhea te pānui i tō huarahi whakahaere i ia wāhanga.
Fundraising is the only project
I tēnei hōhonutanga, ko ia whakatau he whakatau pūtea. Kaua e raka i tetahi mea, kaua e tuku moni ki te huringa whakataunga 48-haora, me pupuri i te toenga katoa ki te wāhi e whakawāteatia ai i taua rā anō. Ko te hua o te ono marama o te moni e toe ana he hapa whakaawhiwhi i te taha o te utu o te ngaro o te utu kaimahi.
Kaua e tuku i tetahi mea e kore e taea e koe te whakaingoa
A raise takes months, not weeks, and it rarely closes when planned. If any part of the balance is genuinely untouched — a tax provision, a deposit, a milestone payment scheduled for later in the year — that portion can earn. The rest should stay liquid and unencumbered.
A reserve becomes identifiable
This is usually the first point at which segmentation is honest rather than theoretical: operating cash for the next quarter, a buffer for variance, and a reserve you will not touch. The reserve is the only part worth allocating, and the no-lock tier at 6.00% is the tier that matches an uncertain horizon.
Idle cash becomes a real line item
With more than eighteen months of coverage, the reserve is large enough that the rate on it matters to the plan. A term that ends before your next planned raise can be considered, remembering that an early exit returns the capital and forfeits the accrued interest.
This calculator is an arithmetic tool, not investment, tax or legal advice. It runs entirely in your browser: no figure you enter is stored, transmitted or associated with you, and no sign-up is required to use it.