The dashboard that warns you before your bank account runs dry

Almost nobody runs out of cash overnight. Usually, cash shrinks little by little, week after week, while the owner keeps checking only today's balance in the banking app. And today's balance says nothing about what you'll need to pay in three weeks: payroll, rent, suppliers. The problem isn't the lack of cash — it's the lack of warning.

That's exactly why Miscostosfijos' central dashboard exists: it doesn't just show how much you have today, it shows how long it will last and when it could run out if nothing changes.

What "runway" means and why it should matter to you

"Runway" simply means how many months your current cash will last if you keep spending at the current pace and nothing else comes in. It's a term used a lot in finance, but the idea is simple: if you have $30M in the bank today and spend $10M a month, your runway is 3 months (this is just an illustrative example, not a real figure).

That number alone doesn't tell you whether you're doing well or poorly — it depends on your business, your season, your pending collections — but it does tell you something your bank balance doesn't: how much time you have to react before it becomes an emergency.

How the central dashboard works

When you log into Miscostosfijos, the central dashboard brings together in one place what you'd normally have to calculate by hand in an old spreadsheet:

• Estimated runway, calculated from your income, expenses, and the current balance of your connected accounts.
• Gross margin, so you can see whether what you sell actually leaves you money after direct costs.
• Projected cash-out date, meaning the point at which — if nothing changes — you'd hit zero. This isn't an exact prediction of the future; it's a projection based on your recent behavior, meant to give you an early warning, not a verdict.
• A financial health score summarized in a single indicator, so you don't have to interpret five different numbers every morning.

All of this updates automatically from your transactions and connected accounts, without you having to build a spreadsheet every time you want to know how things stand.

What you can do with that early warning

The difference between finding out 3 months ahead versus 3 days ahead is huge. With time to spare, you can:

• Adjust collections: push pending invoices forward or negotiate shorter terms with the clients who owe you the most.
• Review non-essential spending: pause or renegotiate fixed costs that aren't generating immediate returns.
• Plan financing ahead of time: if you need a bridge loan, it's much easier to get one calmly than in the middle of an emergency.
• Make pricing or volume decisions before a cash problem forces you to decide with your back against the wall.

None of this replaces the business owner's judgment — every SMB has its own context — but getting the alert weeks in advance completely changes the kind of decision you can make: a thought-through decision, not a panic reaction.

One dashboard, not five scattered reports

What we're aiming for with this dashboard is to save you the work of hunting for information in five different places: the bank, invoices, the fixed-costs spreadsheet, pending collections. All of that already lives inside Miscostosfijos, connected, and it translates into a number you understand at a glance: how much time you have left if nothing changes.

If you're still tracking your cash flow by only checking your bank balance, now's a good time to try something different. You can start your 7-day free trial at app.miscostosfijos.com/register and see your own runway calculated in minutes.