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No bank logins · 100% private · Free to start
Enter your savings, monthly expenses, and housing costs. Get a specific calendar date — not a vague "about a year" — when your money runs out. Then see how each scenario shifts it.
With income
Model any income change — a new role, a raise, or a side gig — and see how quickly your financial pressure drops.
With unemployment
Benefits extend your runway. See the new zero date with unemployment factored in — and by exactly how many months it buys you.
Burn only
Income stops entirely — the worst case. Know exactly how many months you have before the account hits zero.
Layoffs, hardships, and tight budgets are real — and when things get uncertain, knowing your exact numbers brings genuine peace of mind. Your zero date, mortgage payoff scenarios, retirement projections, and a live budget cascade. All in one place, all from numbers you enter yourself.
Full features free for 14 days · No credit card required
Your runway depends on decisions you're making right now.
Extra mortgage payments, retirement contributions, food budget — each one changes your zero date by months or years. A burn rate calculator ignores all of that.
Disruption is also a window.
Could you pay off your mortgage 8 years early? Max your 401(k) to the IRS limit? Survive on less than your current salary? You can't answer those with a simple calculator.
Your financial picture is a living document.
One-shot calculators reset every visit. Your numbers should persist — updated as your situation changes, not re-entered from scratch next week.
What's inside
Your exact runway in days, weeks, and months — with a specific calendar date when savings hit zero. Urgency colour-coding so you know how much time you have.
Full amortization with extra payment scenarios. See exactly how many years you cut off your payoff date and how much interest you save.
401(k), IRA, and brokerage balances at 60, 65, and 67 — with employer match, multiple contribution scenarios, and tax-aware estimates.
Salary flows through housing → savings → food → expenses → remaining, updating live as you adjust any number.
The lowest gross salary you can survive on — calculated across health insurance premium tiers so you know your floor before any negotiation.
Car registration, insurance renewals, home maintenance — enter them once, see exactly how much to hold back each month so nothing blindsides you.
How it works
Income, expenses, savings, mortgage details — enter what you know. No bank connections, ever. Nothing is inferred from third parties.
Your exact zero date, daily burn rate, and which expenses move the needle most — calculated in real time, no waiting.
Mortgage scenarios, retirement projections, budget cascade — your numbers persist and update as your situation changes.
Privacy
We built this because we didn't want to hand our own financial data to a bank aggregator. We never connect to your accounts, never sell your data, and never will.
Every number is entered manually. No OAuth, no Plaid, no open banking APIs.
Your numbers are yours. We don't sell, share, or monetise your financial data.
You decide what goes in. Nothing is inferred, scraped, or pulled from third parties.
Pricing
Start free. No card required. Upgrade when you want the full picture.
$0
No card needed
$9 /month
No card required during trial
Five minutes to your exact zero date, mortgage payoff scenarios, and minimum income floor. No bank connections.
Calculate My Runway — Free