Work out how fast personal savings deplete without income, and how long they last.
Runway divides accessible savings by the monthly shortfall rather than by total expenses, because any continuing income extends it. The reduced-budget figure matters because spending is far more compressible than most people assume until they need it to be. Job loss and illness are the two most common financial shocks, and runway measured in months is the number that determines how much choice you have when one arrives.
Personal Burn Rate
Runway = accessible savings ÷ (expenses − continuing income)
Runway = accessible savings ÷ (expenses − continuing income) Runway divides accessible savings by the monthly shortfall rather than by total expenses, because any continuing income extends it. The reduced-budget figure matters because spending is far more compressible than most people assume until they need it to be.
Job loss and illness are the two most common financial shocks, and runway measured in months is the number that determines how much choice you have when one arrives.
This calculator takes 4 inputs: Accessible savings, Essential monthly expenses, Any continuing monthly income, Expenses you could cut if needed. The pre-filled defaults are a realistic starting point — replace them with figures from your own environment for a result you can act on.