Cashrunway
The week you run out
Problem
The bank balance looks fine. It is not fine, because three invoices are due next week and the VAT bill lands the week after. The owner finds out on the day. Profitable businesses die of this, and they never see it coming because the balance was healthy right up until it was not.
Why now
Open banking made a live balance and real committed outflows available without any data entry, which is what killed every previous version of this: nobody maintains a cash forecast by hand.
Solution
It reads what is actually committed, in and out, and shows the week where the line crosses zero. Not a forecast model with assumptions to argue with: known invoices, known bills, known dates, and the week it breaks.
Who it is for
An owner-manager whose business is fine on paper and tight in reality. The bank balance looks healthy, and it is healthy right up until three invoices and a tax bill land in the same fortnight. They find out on the day. Profitable businesses die of this, and the reason they never see it coming is that nobody maintains a cash forecast by hand for long.
What you could earn from Cashrunway
Say you build Cashrunway and charge your own customers $25 a month, the price the score suggests. The numbers below are the revenue that would come from them. This is money you earn, never a fee you pay UpgradIQ, and we never take a cut. It is arithmetic off the price, not a promise the customers arrive on their own.
See what Cashrunway produces
It reads what is actually committed, in and out, and shows the week the line crosses zero. Not a forecast with assumptions to argue with: known invoices, known bills, known dates, and the week it breaks.
Your build kit for Cashrunway
Start the build and the kit opens two steps in, then drip-feeds the rest one phase at a time. Every phase is a copy-paste prompt for your agent with its own verification before the next unlocks, so Cashrunway moves from an empty folder to a running MVP without you ever holding the whole plan in your head.
Progress saves across every device, and the workspace always reopens on the exact step you left, so a build that runs over several weeks survives them instead of dying in a browser tab you eventually close.
How you actually build it
Connect your coding agent once. It pulls the current phase straight from your kit over MCP: the exact prompt, the outcome to aim for, and the check to run before it moves on. You review and ship, it does the typing.
No copy-paste juggling, no thread to lose. The kit stays the single source of truth, and your agent works through it one phase at a time, verifying its own work at each step before the next phase is unlocked.
Take the context file, free
This is the AGENTS.md that keeps your coding agent on scope for the entire build: what Cashrunway is, who it is for, the stack, the non-goals, and the rules it must follow. Copy it into your project now, no account needed, and your agent is briefed before you write a line.
# Cashrunway The week you run out ## What this is It reads what is actually committed, in and out, and shows the week where the line crosses zero. Not a forecast model with assumptions to argue with: known invoices, known bills, known dates, and the week it breaks. ## The problem it solves The bank balance looks fine. It is not fine, because three invoices are due next week and the VAT bill lands the week after. The owner finds out on the day. Profitable businesses die of this, and they never see it coming because the balance was healthy right up until it was not. ## Who it is for An owner-manager whose business is fine on paper and tight in reality. The bank balance looks healthy, and it is healthy right up until three invoices and a tax bill land in the same fortnight. They find out on the day. Profitable businesses die of this, and the reason they never see it coming is that nobody maintains a cash forecast by hand for long. ## Stack Next.js + Postgres ## Non-goals Do not build features outside the core job above. This product exists to do one thing well. Every extra feature is a reason it does not ship. ## Rules for the agent - Build one phase at a time. Do not run ahead into later phases. - Validate input at every boundary where data enters. - Never put a permission or plan check in client code. - Ask before adding a dependency that a few lines would cover. - If something is ambiguous, say so rather than inventing a requirement. --- Context file from UpgradIQ · idea cashrunway · prompts kit-v4
Then start free to get the ten-phase kit and run the first prompt.
The path to a running MVP
Foundation
Scaffold the stack, then wire the data model and sign-in. It is the skeleton Cashrunway stands on, and it goes up in an evening rather than a lost week of config.
The product
Build the core feature end to end, then wire how it charges. This is where Cashrunway finally turns into something that a stranger will actually pay you for.
Ship it
Test and harden, deploy it live, then open the launch-day toolkit that lands the first ten users who prove it.
Is Cashrunway for you?
- You want revenue reasonably soon, not a science project
- You can give it evenings and a couple of weekends
- You can reach Small businesses with tight cash
- You are not ready to talk to a first real customer
- You want it fully passive, with zero maintenance
- You expect it to find its own customers without you
The 3 sections that decide whether you should actually build it, plus the full kit, are one click away.
3 more sections decide whether you build Cashrunway
You have the case and the plan. Pro opens how it makes money, the one risk that kills it, and the build notes, plus the 10-phase kit that takes Cashrunway to a running MVP, on this idea and all 200.
How it makes money
Main risk
Build notes
What is free here, and what Pro unlocks
Frequently asked
Is Cashrunway actually validated?
It scored UIQ 81 with a GO verdict, weighed across eight sub-scores on the same rubric as every idea. GO means 75 and above, so demand and buildability were judged, not guessed.
What stack does it use?
Cashrunway is built on Next.js + Postgres, chosen because a coding agent can carry most of it. You are not fighting infrastructure, you are shipping the feature that matters.
How long to a running MVP?
The kit is ten phases, drip-fed one at a time so you always know the single next step. An evening and a weekend for the lighter builds, a few focused weeks for the deeper ones.
What does the $25 a month mean?
It is the price the model suggests Cashrunway could charge its own customers, not a fee to us. It is here so the money question is answered before you build, not after.
Which agent do I need?
Any capable coding agent: Claude Code, Cursor, Lovable, or Bolt. Every phase is a copy-paste prompt with its own check, so the agent does the typing and you keep the judgement.
What is free versus Pro?
The whole case above is free: the problem, timing, solution, buyer, and the full score. Pro adds how it makes money, the one risk that could kill it, and the full kit that carries Cashrunway from an empty folder to a running MVP.
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All 14 Fintech ideasBuild Cashrunway, not just read about it
You have the problem, the timing, the solution and the buyer. A plan opens how it makes money, the risk that kills it, and the kit that takes it to a running MVP.
Start building Cashrunway