Stop Guessing. Start Knowing.

You check your bank balance every morning. You run the numbers in your head before every hire. You wonder if that slow-paying client is going to put you in a hole.
There's a better way.

Cash Flow Clarity Budget Intelligence Scenario Planning

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The Hard Truth

82%

of small businesses that fail cite cash flow as the #1 factor.

— U.S. Bank Study

60%

of small business owners struggle with cash flow management.

— PYMNTS, 2024

70%

of small businesses hold less than four months of cash reserves.

— PYMNTS, 2025

Most of these businesses aren't failing because they're bad at what they do.
They're failing because they can't see what's coming.

The Questions You're Already Asking

"Can I afford to hire?"

Model the full cost of a new hire — salary, benefits, taxes — and see exactly how it changes your cash and your monthly burn. Know the answer before you post the job.

"What if my biggest client pays late?"

Cash flow forecasting (coming soon) works week by week, from your own transactions, so you can see what a late payment does to your cash before it happens.

"Am I actually making money — or just busy?"

Revenue doesn't mean profit. See your real burn rate, true margins, and whether your cash position is growing or shrinking.

"When does cash get tight?"

Coming soon: cash flow forecasting shows you when you might hit a crunch, weeks in advance. No more surprise shortfalls.

Up and Running in Minutes

Connect

Link your QuickBooks or Puzzle account. Your financial data syncs automatically, every night.

See

Your dashboard lights up with cash balance, burn rate, revenue, and the other KPIs you pick — all in one place.

Plan

Model scenarios and set budgets, with cash flow forecasting coming soon. Make decisions with data, not gut feel.

What You Actually Get

Planning

Now in Beta

Build your budget for next year, or up to five years out, from your history, a projection, your current budget, or a file. Then publish it as your live budget.

Budget vs. Actual

Set budgets and watch actuals flow in automatically. Merlin watches the trends, and lets you know the moment cost projections start outpacing revenue.

Scenario Planning

Model a hire, an equipment purchase, a cost cut, or a new revenue line. See the impact before you commit.

Merlin AI

Ask questions about your finances in plain English. Get a clear, accurate answer in seconds. No more wasting time back & forth.

Cash Flow Forecasting

Coming Soon

A 13-week rolling cash flow forecast, week by week. Stop reacting. Start planning.

The Budget page's profit and loss table for a demo company: revenue and cost of revenue lines with six months of actuals, under filters for initiative, class and vendor

Tap to enlarge

Your Accountant Will Love It Too

You're not replacing your accountant — you're making their job easier. Clean, organized financials that update automatically means less back-and-forth, fewer questions, and more time for strategic advice. You understand your numbers. They get clean data. Everyone wins.

"We've worked with thousands of startups and small business owners, and the ones who thrive financially aren't just the ones with clean books — they're the ones who understand their numbers between meetings. That's exactly the gap MyRunwayHealth fills."

— Accountalent

Your AI financial co-pilot. Ask about your cash position, model a scenario, or get a plain-English explanation of what's happening with your numbers.

Learn About Merlin

Take Control of Your Finances

$100/month. Everything included. No surprises — just like your dashboard.

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