Finance category
Mortgage, loan, investing, tax, and money calculators.
Claim Proceeds Burn Rate Calculator
Restoration burns proceeds — manage runway.
Runway months
6.2
Monthly total burn
$565,000
Remaining proceeds after 12 mo
$0
How the math works
Total burn = resto + overhead + debt service. Runway = proceeds / burn.
$3.5M / ($450k + $45k + $70k = $565k) = 6.2 months runway. If restoration is 8 months, owner needs $1M additional liquidity.
How to Use
- Enter total claim proceeds.
- Enter monthly restoration spend.
- Enter overhead monthly spend.
- Enter debt service monthly.
- Read runway months.
Frequently Asked Questions
Why track burn?
Claim proceeds fund restoration plus debt service during downtime. If burn exceeds proceeds timeline, out-of-pocket cash required. Careful budgeting and draw scheduling prevents mid-restoration liquidity crises.
Typical burn?
Multifamily $20M restoration: $1-2M/mo hard costs. Commercial $10M: $500k-1M/mo. Plus monthly debt service (often deferred by lender but accrues). Plus ongoing property OpEx even during vacancy (insurance, taxes, utilities, security). All-in 10-15% higher than raw build cost.
Liquidity strategy?
Model month-by-month draws vs claim disbursements. Advance-funding on larger claims (carrier pays draw schedule, not reimbursement). Line of credit for gap funding. Negotiate debt service deferral with lender. Owner equity or pref reserve for worst case.
Related Calculators
More Finance Calculators
Browse all finance →AI Cost Calculator
Compare token costs across OpenAI, Anthropic, and Google AI models. Calculate monthly API spending for GPT-4o, Claude, Gemini, and more.
Tip Calculator
Calculate the perfect tip and split the bill between friends. Choose preset percentages or enter a custom tip amount.
Bill Splitter Calculator
Split an uneven restaurant bill by item, divide tax and tip proportionally, and see exactly who owes whom.
Discount Calculator
Calculate sale price, discount amount, stacked discounts, sales tax, and total savings for any markdown.
Gas Mileage Calculator
Calculate MPG or km/L, estimate trip fuel cost, and compare annual fuel expenses between two vehicles.
Sales Tax Calculator
Add sales tax to a price, reverse-calculate the pre-tax amount from a total, and estimate tax for multiple items on one receipt.
Keep exploring