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.

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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.