Free calculator

How long will your money last?

Five numbers, no sign-up. See how many months your balance covers your expenses, where it will be in three months and how it compares to the commonly cited emergency fund.

Money available right now Accounts and cash you can access immediately. Monthly income (net) Salary, business, benefits — what actually arrives each month. Fixed monthly expenses Rent or mortgage, utilities, loan payments, insurance, subscriptions. Variable monthly expenses Food, transport, fun — an estimate for an average month.

Total monthly expenses:

Savings goal The amount you want to have set aside.

Currency

Your numbers are used only for the calculation and anonymous statistics; they’re linked to an account only if you sign up. We delete them after 90 days.

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Fill in the form and your result will appear here.

How the calculation works

Your monthly balance is income minus fixed and variable expenses. Runway without income shows how many months your balance would cover expenses alone if income stopped entirely — after a job loss or illness, for example.

When expenses exceed income, the balance shrinks every month. From that pace the calculator estimates the date the money would run out, counting a month as an average of 30.4 days.

Personal finance guides commonly cite 3–6 months of expenses as an emergency fund. The calculator only shows where you stand against that range — what reserve makes sense for you depends on income stability, family and obligations.

This is an estimate based only on the numbers entered. It doesn’t account for inflation, interest, taxes or irregular expenses, and it is not financial advice or a recommendation.