Free financial tools

Financial Runway Calculator

Estimate how long savings could cover expenses without employment income.

Financial Runway Calculator

Compare liquid savings and passive monthly income with your monthly cost of living.

Your result

Fill in the fields and select Calculate.

How to use the result

This estimate supports planning and does not replace personalized financial advice.

Should retirement accounts be included?

Only include money you could realistically access, considering penalties, taxes, and its intended purpose.

Does the estimate include investment returns?

No. It provides a conservative starting point based on current savings and monthly cash flow.

Why is a safety buffer important?

Unexpected costs and inflation can shorten the runway, so avoid planning to spend every available dollar.

Track your finances for free