Finance category
Mortgage, loan, investing, tax, and money calculators.
Construction Cash Burn Calculator
Large projects burn cash monthly. This calculator tracks net burn against reserves.
Monthly burn
$150,000
Runway months
3 yr 7 mo
Total equity available
$6,500,000
How the math works
Burn = monthly cost × (1 − loan draw share). Runway = equity ÷ burn.
Update burn and runway weekly during construction. A 10-15% cost overrun on a 50% equity deal can consume 3 months of remaining runway. Rebase reserves as soon as trajectory shifts.
How to Use
- Enter monthly hard + soft cost.
- Enter loan draw %.
- Enter equity in reserve.
- Enter equity contributed monthly.
- Read monthly burn and runway.
Frequently Asked Questions
Typical burn?
Varies wildly. Mid-size 200-unit lease-up: $300-500k/month. Small ground-up: $50-150k. Match reserves to 6-12 months of burn minimum.
What drives burn?
Equity share of cost (50% equity = 50% of monthly cost as burn). Lender's draw timing (slow draws = more equity front-loaded).
Running out?
Capital call to partners. Bridge loan. Contractor payment delays (damages relationship). Emergency equity auction. Plan reserves conservatively.
Who owns this risk — sponsor or lender?
Construction risks are typically shared: hard-cost overrun owned by sponsor (via completion guaranty), soft-cost and delay risks shared per contract, force-majeure excused but bears owner carry cost. Document risk ownership in the loan agreement and GC contract before closing. Disputes get expensive when roles are unclear. Institutional deals spell out every allocation in writing.
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
Next steps in Finance
Previous calculator
Concession Recapture Calculator
Calculate unrecaptured concession amount owed if tenant breaks lease — amortization and recapture math.
Next calculator
Construction Change Order Impact Calculator
Quantify total change-order impact on construction contract — direct adds plus schedule slip carrying cost.