Emergency Fund Runway Calculator
Wondering how long your savings can support you without new income? Enter your current cash savings and average monthly expenses to see your runway in months.
About this calculator
Find out how many months your current savings will last based on your monthly expenses, useful for job transitions, freelancing, or startup planning.
Frequently Asked Questions
What counts as a healthy financial runway?
Most financial experts recommend 3-6 months of runway for emergencies, while freelancers, founders, or those between jobs often aim for 6-12 months.
How does partial income affect my runway?
Any income you earn during this period reduces your net monthly burn rate, which extends your runway. This calculator subtracts income from expenses automatically.
Should I include investments in my savings figure?
Only include cash or highly liquid assets you could access quickly without penalty, since illiquid investments may not be available during an emergency.