Cash flow runway calculator with downloadable results as PDF or CSV spreadsheet

How long will your money last?

Enter your numbers below to calculate your personal financial runway.

Savings & assets
$
$
$

After-tax. Use separation pay calculator for this number.

$
Monthly expenses
$
$
$
$
$

Monthly cost after employer coverage ends.

$
$
Income replacement
$
$

COBRA cost excluded from expenses during this period.

Your results
Total savings
—
Monthly shortfall
—
Your runway
—
0 months24 months
What-if scenarios
No changes (baseline)
—
Cut spending 15%
—
Cut spending 25%
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Add $1,000/mo income
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Save your results

Download a copy to keep, share with a financial advisor, or open in Excel / Google Sheets.