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The exact number of days — plus mortgage payoff,
retirement projections, and a live budget cascade.
A runway calculator tells you when the money runs out. It doesn't tell you what to do about it.
Extra mortgage payments, retirement contributions, food budget — these change your runway by months or years. A single burn rate ignores all of that.
Could you pay off your mortgage 8 years early? Max your 401(k) to the IRS limit? You can't answer those questions with a burn rate calculator.
One-shot calculators reset every visit. Your financial picture is a living document — not a form you fill out again next week.
Six tools in one — all built around your actual numbers, all private, all in one place.
Your exact runway in days, weeks, and months — with a specific calendar date when savings hit zero. Urgency colour-coding so you know how much time you actually have to act.
Full amortization with extra payment scenarios. See exactly how many years you cut off your payoff date and how much interest you save.
401(k), IRA, and brokerage balances at 60, 65, and 67 — with employer match, multiple contribution scenarios, and tax-aware estimates.
Salary flows through housing → savings → food → expenses → remaining, updating live. See the waterfall in real time as you adjust any number.
What's the lowest gross salary you can survive on? Calculated across health insurance premium tiers so you know your floor before any negotiation.
Car registration, insurance renewals, home maintenance — enter them once as annual costs and see exactly how much to hold back each month so nothing blindsides you.
Income, expenses, savings, mortgage details — enter what you know. No bank connections, ever.
Your exact zero date, daily burn rate, and which expenses to cut first — calculated in real time.
Mortgage scenarios, retirement projections, budget cascade — your numbers persist as your situation changes.
We built this because we didn't want to hand our financial data to a bank aggregator. We never connect to your accounts, never sell your data, and never will.
Every number is entered manually. No OAuth, no Plaid, no open banking APIs.
Your numbers are yours. We don't sell, share, or monetise your financial data.
You decide what goes in. Nothing is inferred, scraped, or pulled from third parties.
Start free. No card required. Upgrade when you want the full picture.
$0 forever
$9 /month
No card required during trial
Five minutes to your exact zero date, mortgage payoff scenarios, and minimum income floor. No bank connections.
Calculate My Runway — Free