How Long Will My Money Last? Calculator
Calculate exactly when your savings will run out. Enter your savings, monthly expenses, and income to get your financial runway with projected depletion date. Perfect for emergency fund planning, retirement, job transitions, or FIRE planning.
Account for rising costs (3.1% annually)
Step 1: Total Savings
Add up your checking, savings, and accessible investments. Subtract any planned one-time expenses like moving costs or medical bills.
Step 2: Monthly Burn Rate
Calculate your burn rate: total monthly expenses minus any income you'll receive (part-time work, side gigs, benefits, etc.).
Step 3: Adjust for Inflation
For planning beyond 12 months, enable inflation. Expenses typically increase 3-4% annually, shortening your runway over time.
Track Every Expense
Use a budgeting app to track where your money goes. You might find subscriptions or expenses you forgot about that can be cut.
Generate Side Income
Even small amounts of income dramatically extend your runway. Freelancing, part-time work, or selling items all help reduce your burn rate.
Cut Non-Essential Spending
Temporarily reduce dining out, entertainment, and subscriptions. Cutting $500/month extends $100k savings by nearly 4 months.
For those with stable jobs, dual income households, and low debt
For most people with regular W-2 employment and average job security
For self-employed, freelancers, single earners, or specialized careers
Quick Emergency Fund Calculator
Job Loss or Layoff
Calculate how long you can sustain yourself while job searching
Career Change
Plan finances for a sabbatical, going back to school, or starting a business
Early Retirement (FIRE)
Calculate if you've reached financial independence
Maternity/Paternity Leave
Plan for reduced or no income during parental leave
Emergency Planning
Ensure your emergency fund meets recommended guidelines
Retirement Planning
See how long retirement savings will last with Social Security