Financial Runway Calculator

How long could you last without income?

Enter your numbers to see your financial runway — in seconds, and 100% private.

Emergency savings

The total cash you could draw on right now.

€

Monthly essential expenses

What it actually costs you to live each month.

€
€
€
€
€
€
€

Income during this period Optional

▾

Add this if you'd still have some income — severance, unemployment benefits, or freelance work. Leave blank if none.

€
€
€
Your financial runway
0 months
≈ 0 years, 0 months
—
You'd need this much more to reach a 6-month emergency fund
€0
Monthly essentials
€0
Monthly income
€0
Monthly income gap
€0
Current savings
€0
3 months
€0
6 months
€0
12 months
€0

What is financial runway?

Your financial runway is how many months you could cover your essential expenses if your income disappeared. It's not about how much you've saved — it's about how long that money can actually carry you.

Your emergency fund buys you time.

Time to think clearly, negotiate a fair severance, find the right next role instead of the first one, or build a new source of income — without panic driving the decision.

Recommended next step

You just found out your numbers.

Want a clear plan, not just a number?

Book a private 1:1 Money & Investment Session with Gift — walk away with a concrete plan for your savings, income, and next steps.

Book your 1:1 session — €50

Want to be better prepared for a layoff?

Build your emergency fund, keep your skills relevant, and create more income options — before you need to.

Your numbers stay on your device. Nothing you enter here is stored, saved, or sent anywhere.