Enter your monthly picture
Use values from the same currency.
Private financial runway planner
How long will my money last?
Turn your savings, monthly spending and optional income into a clear runway estimate, projected run-out date and visual cash reserve checkpoints.
No account
No bank connection
Transparent assumptions
Your numbers
Calculate your financial runway
Start with a simple snapshot. You can return and compare different assumptions whenever your income or spending changes.
Simple by design
From four inputs to one clear picture
No accounts, bank integrations or hidden scoring. The estimate is built from a transparent monthly cash-flow calculation.
Add your current savings
Use the amount you consider available for supporting your regular living costs.
Build your monthly balance
Expenses and unexpected costs are reduced by any regular monthly income you include.
Explore the result visually
Review runway length, the projected balance line and reserve checkpoints before changing assumptions.
Net monthly burn
Monthly spending + buffer − monthly income
Estimated runway
Savings ÷ net monthly burn
Months are modeled as 30 days. Taxes, inflation, investment returns and future changes are not automatically included.
Explore, do not prescribe
Use scenarios to ask better questions
The calculator is most useful as a comparison tool. Change one assumption at a time and observe how the runway responds.
Test lower spending
Reduce monthly expenses by a small percentage and compare how many days or months it adds.
Test additional income
Add a possible recurring income amount to see how it changes the monthly burn or creates a surplus.
Stress-test uncertainty
Increase the unexpected-cost buffer to see how a more conservative assumption affects the result.
These are neutral scenario prompts, not personalized instructions. Future versions can automate comparisons while keeping the language educational and assumption-led.
Questions
Frequently asked questions
How long will my savings last?
It depends on your savings and net monthly burn. Enter your values to estimate your runway in months and days.
Does the calculator include income?
Yes. Monthly income is optional. It is subtracted from total monthly spending to estimate net monthly burn.
Does changing the currency convert my amounts?
No. Currency selection changes labels and number formatting only. It does not perform exchange-rate conversion. Enter all values using the same currency.
What happens when income covers spending?
The result becomes cash-flow positive. Savings are not projected to decrease while those assumptions remain unchanged.
What do the 3, 6 and 12-month checkpoints mean?
They compare current savings with three, six and twelve months of total monthly spending before income. They are reference points rather than universal recommendations.
Is this financial advice?
No. The calculator provides simplified educational estimates based on your inputs. It does not account for every personal, legal, tax or investment consideration.
Is my financial data stored?
No account or banking information is requested. Submitted values currently appear in the page URL and may be present in browser history or standard technical request logs. See the privacy policy for details.