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How Long Will My Money Last?

Exact month your cash hits zero — with a Crisis toggle that zeros revenue.

Enter your cash on hand, monthly spending, and monthly income. The calculator projects your balance month by month and shows the date the money runs out. Use the crisis toggle to see the same picture with income set to zero.

Part of: Saving & Spending Calculators

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Fields marked optional can be skipped; results update as you type
RUNWAY_ZERO
Cash exhaustion forecast — months until bankrupt
$
$
$
ZERO DATE
January 2027
5 months · 24 days remaining
CASH BALANCE OVER TIME
horizon: 6.7mo
ZERO$250,000$06.7monow
Net Burn
$43,000
Revenue (effective)
$22,000
Burn Multiple
2.95×
▸ METHODOLOGY
Runway = Cash ÷ (Burn − Revenue). The Zero Date is projected from today using 30-day months. Crisis mode zeroes revenue to model the worst-case shock. Inputs persist locally.

Before you act on the result

Finance tools depend on assumptions about income, expenses, time, rates, and behavior. They are planning aids, not investment, tax, legal, or credit advice.

Run a conservative version and a stress version before relying on a single number.

More about this tool

How to use this tool
  1. Enter your current Cash Balance.
  2. Enter your total Monthly Burn (all outflows).
  3. Enter your Monthly Revenue (all inflows).
  4. Runway = Cash ÷ (Burn − Revenue). Enable Crisis to reduce revenue to $0.

Examples

$250k cash, $65k burn, $22k revenue
Net burn $43k/month → ~5.8 months runway. Zero date roughly 6 months out.
Crisis mode on same inputs
Revenue drops to $0 → runway shortens to ~3.8 months (250k ÷ 65k).

Next up

Runway known. Now stress-test it — can you survive a shock expense?Could I Handle a Surprise Bill? → Burn too high? Find the subscription leaks draining your runway.Subscription Purge · Leak Detection →

Frequently asked questions

› What counts as burn?

Every outflow: salaries, rent, infrastructure, marketing, taxes, contractors. If it leaves the bank each month, include it.

› What if revenue exceeds burn?

The calculator shows an Indefinite status. No runway zero exists at current pace.

› Is my data saved? Trust & accuracy

Yes — all inputs persist to localStorage on this device and nowhere else.

Tips & related reading

See the Saving & Spending Calculators hub →

Tips & how-tos

Relevant links

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