Find out if you’re default alive

Default alive or dead, answered in one line.

From your bank and Stripe, not a guess.

Download RiverHow to start

How it works.

River projects your cash and revenue from your bank and Stripe, with costs as they are and growth at its recent rate, and tells you which comes first: profit or zero cash. Then what changes it.

  1. Add hires, costs and a raise

    Planned hires, a new lease or a raise under way. River prefills them from your mail, each one a scenario.

  2. River runs the numbers

    Twelve months from your bank and Stripe, transfers and investment money left out, projected month by month.

  3. One line, then the levers

    Alive or dead and the month cash hits zero, plus the growth rate or monthly cut that flips it.

What you get.

  • A one-page Doc whose first line says alive or dead, and when
  • A Default alive Sheet with live formulas, every actual traced to Stripe or the bank
  • Three scenarios side by side: your hires, half the growth, a raise six months late
The finished result of Find out if you’re default alive in River

Start in three steps.

  1. River’s app icon

    Get River

    Download the app for your computer.

  2. River’s first question, “What’s your role?”, with Founder chosen

    Sign up as a founder

    When River asks your role, choose Founder.

  3. Start “Find out if you’re default alive”

    Press + in your Dock, open Playbooks, and press Start. River prefills planned hires, new costs and any raise, and asks you to confirm them.

A few things to know.

What does default alive mean?

It’s Paul Graham’s question: with the money you have, costs as they are and revenue growing at its recent rate, do you reach profit before the cash runs out? If so, you’re default alive.

Does it assume we’ll raise?

It never counts on the next round, because founders who do tend to ask this too late. A raise is its own scenario, also shown landing six months late.

What does it cost?

It uses your plan’s AI credit, like everything else in River. It reads the bank and Stripe accounts you already use.

View pricing

More for founders.

All founder playbooks

Try it on your own work.

Download River, choose Founder, and press Start on “Find out if you’re default alive”.

Download RiverSee every playbook