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Startup Credits Runway Calculator

See the day each startup credit runs out, how much goes unused, and your first full cloud bill.

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Startup Credits Runway Calculator

What this free tool does for you

Know the day your startup credits stop paying the cloud bill, so the first real bill does not eat into your runway by surprise. See the credits you will lose to expiry and what you will pay after.

How to use it

  1. For each credit grant, pick the Provider and enter the Credits left (USD).
  2. Enter the Monthly spend (USD) that provider would bill before credits, and the credits' Expiry date.
  3. Click Add a provider for each other grant, then set your Spend growth per month (%).
  4. Read the First credit cliff, the Credits that will expire unused and the Monthly bill once credits end.
  5. Under each provider, follow Use them or lose them or Plan for the bill before the date shown.

Good to know

  • Credits do not cover everything. AWS credits do not pay for most Marketplace products, upfront Savings Plan or Reserved Instance fees, Enterprise Support or tax.
  • Google Cloud, year two. Google for Startups covers only 20% of eligible spend in year two, so the cash bill jumps at the first anniversary.
  • Save or share. Use Copy link to this forecast, under the answer, to get a link with your numbers filled in.
Credit grant 1
Credit grant 2

One row per provider. Monthly spend is what that provider would bill you before credits. Credits only pay their own provider's charges.

Setting the example dates.

Working out the example runway…

Runs in your browser; nothing you type is sent anywhere. A shared link carries your figures after the “#” in the address, which browsers keep to themselves. A simple forecast at a steady growth rate, from the numbers you enter.

Want this done on your real bill?

Startup Cloud Credits Manager: We track every credit daily, flag charges your credits do not cover, and forecast your first full bill. From $49 a month. Nothing paid upfront.

See the service

Questions

How is the run-out date worked out?

Each grant is forecast against its own provider’s spend, because AWS credits pay only AWS charges. Spend grows at the monthly rate you enter, compounded daily from today. A grant ends on the day cumulative spend reaches its balance (it runs out) or on its expiry date, whichever comes first; if it expires first, what is left is lost. The first full bill is the monthly spend rate on that day.

Why did we get a bill while we still had credits?

Because credits only pay for what each program covers. AWS promotional credits do not pay for most Marketplace products, upfront fees for Savings Plans and Reserved Instances, Enterprise Support or tax, although AWS Activate does cover third-party models on Bedrock until the credits run out. Google for Startups credits exclude Marketplace and partner models, apart from a separate partner-model credit for Scale and AI tier members.

What happens on cliff day?

From the day a credit runs out or expires, the charges it covered are billed to your card or invoice. On AWS a credit still covers the billing month in which it expires, so the first full bill is the month after. This calculator does not model that: it ends a grant on its expiry date, so for AWS credits it can show the cliff up to a month early, which errs on the safe side. Google for Startups is different: in year two it covers only 20% of eligible spend, so the cash bill jumps at the first anniversary. Anthropic prepaid accounts stop serving API requests when the balance reaches zero, which is an outage rather than a bill.

Which free budgets should every startup set up?

On AWS, a budget on spend with credits included and a threshold of a dollar, so you hear the day credits stop covering you, plus Cost Anomaly Detection. On Google Cloud, a budget that leaves credits out, so it shows what you would really pay. At Anthropic, workspace spend limits, and at OpenAI, project budgets.

Related tools

More tools for: Billing data, allocation and governance, AI and model usage

A forecast from typed numbers. Your bill moves every day.

Finitizer reads your actual AWS and Google Cloud billing, read-only and keyless, so a forecast starts from what you really spend and a charge your credits do not cover shows up the day it appears.

See how Finitizer works