Financial Runway Calculator
Calculate how long your savings will last based on your current spending rate.
Track Your Results Over Time
Pair this calculator with a spreadsheet to keep an ongoing record of your finances.
Financial Planning
Complete financial planning template for managing your personal finances.
View Template →Monthly Budgeting
Track and manage your monthly income and expenses effectively.
View Template →Financial Planning PRO Bundle
Selected premium templates in one package. Everything you need to manage your personal finances.
View Bundle →Important Notice
These calculators are for educational and informational purposes only. Results are estimates based on the information you provide and should not be considered financial, tax, or investment advice. Your actual results may vary. For personalized guidance, please consult a qualified financial advisor, tax professional, or other appropriate expert.
People Also Ask
How long will my savings last?
Your savings duration depends on your total savings divided by monthly expenses, adjusted for any income and investment returns. This calculator shows exactly how many months your money will last.
What is a burn rate?
Burn rate is the rate at which you spend your savings or cash reserves, typically measured monthly. If you have $60,000 and spend $5,000/month, your burn rate is $5,000/month and runway is 12 months.
How much runway should I have before quitting my job?
Financial advisors typically recommend 6-12 months of expenses before making a major career change. For starting a business, 12-24 months provides more security and time to establish income.
How do I extend my financial runway?
You can extend runway by reducing monthly expenses, generating additional income, or earning returns on savings. Even small reductions in spending can add months to your runway.
What is a good savings runway?
Common recommendations suggest 3-6 months of expenses for an emergency fund. For major life changes like career transitions or starting a business, 12-24 months provides more flexibility.