How long will your savings last?

How this works

Your monthly burn is what you spend each month minus any money still coming in. Your runwayis simply how many months your savings cover that burn. If your income already covers your expenses, your savings aren't shrinking, so your runway is effectively indefinite.

What a simple runway leaves out

This is the back-of-the-envelope version. Before you act on it, remember the costs it doesn't see:

• Health insurance.Your employer plan ends when you leave. COBRA or an ACA plan is often hundreds of dollars a month you weren't paying before, money that shortens your real runway.
• Taxes. Income that keeps coming in is usually taxable, and a mid-year exit can change what you owe. Your spendable income may be lower than the number you typed.
• PTO and one-off costs. Unused PTO may be paid out (real cash for your cushion), while a job search brings its own irregular expenses. The full afford-to-quit calculator folds all of these in.

Frequently asked questions

How is my runway calculated?

Runway is your total savings divided by your monthly burn, where burn is your monthly expenses minus any income still coming in. If income covers your expenses, your savings aren't being drained and your runway is effectively indefinite.

What does this simple runway leave out?

Plenty. It doesn't account for the new cost of health insurance once your employer plan ends, taxes on any income, PTO that may be owed to you, or one-off costs during a job search. For the full picture, including the costs people forget, use the 'Can I afford to quit?' calculator.

Should I include my partner's income?

Yes. Include any money that keeps coming in each month: a partner or household income, side or freelance work, and benefits you actually qualify for. The more income covers your expenses, the longer your runway.

Do my numbers get sent anywhere?

No. Everything is computed in your browser. Your figures are never transmitted to a server, and we never see them.