Runway — how long could you last?

Monthly income

$

Monthly expenses

$

Savings

$

Extra buffer (optional)

$

You are funded until

—

— 0 / 100

—

Next step—

How is this calculated?

The one honest question: if your paycheck stopped today, how long would your reserves cover your full expenses? That is your runway — nothing is netted against income you might no longer have.

runwayMonths = (savings + buffer) ÷ monthly expenses

Your zero-cash date is simply today plus that many months. If your expenses are $0 the runway is unlimited and no date is shown.

Runway	Band	Why
< 3 months	Critical	One setback empties the account.
3–6 months	Fragile	Survives a shock, not a long one.
6–12 months	Stable	Room to absorb a job loss and regroup.
12+ months	Resilient	A genuine cushion; time is on your side.

The 0–100 score rises smoothly with runway and tops out at 60 months, so a larger cushion always scores higher rather than flattening to a single grade. The score and the band always agree because both come from the same runway number.

Trajectory is shown separately on purpose. "Saving $X/month" or "draining $X/month" describes your current direction with income still coming in — it is not the runway, and the two are never mixed.

Stress test

How would your runway be affected by various financial shocks?

How to extend your runway

Top 3 quantified actions to boost your financial resilience:

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