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How long will my money last?
Three numbers, one honest date. Nothing you type leaves this page.
Calculator
Fill in the three numbers.
Flat math: it assumes every month looks the same. That's a good start and an optimistic answer — more below.
What this calculator can't know
The number above treats every month as identical. Real months aren't. Car insurance lands in March. A quarterly tax payment hits in April. The annual renewal you forgot about is on the 14th. A paycheck that arrives on the 1st and rent that's due on the 1st are a very different month from a paycheck on the 3rd.
Those lumps are why the flat answer is usually a month or two optimistic — and why the honest version of this question walks your actual balance forward, bill by bill, and finds the day it crosses zero.
Full disclosure: we build Forecents, and that walk-forward is what it does. It links your accounts read-only through Plaid, learns your bills and paychecks from the transactions it sees, and projects your real balance up to a year ahead — refreshed every morning. Its What-if panel has a one-click "income stops" drill that answers this exact question against your real numbers, with the lumpy months included.
See the real version on a sample household first
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Common questions
How do I calculate how long my savings will last?
Divide the cash and savings you'd actually spend by your monthly net burn — spending minus income. $12,000 against $3,800 a month with no income lasts about 3 months. Add $2,000 a month of income and the burn drops to $1,800, so the same $12,000 lasts about 6½ months. That's all the calculator above does; the walk-forward just adds the calendar.
Should I count my 401(k) or IRA?
Usually not for this question. Early withdrawals typically carry a penalty plus income tax, so the number on the statement isn't what reaches your checking account. Count retirement accounts separately, as a last resort, rather than as spendable savings — the same goes for investments you'd have to sell at a bad moment.
Does this account for inflation or interest?
No. Over a runway measured in months, both are small next to a single surprise bill. This calculator is about the next year or two. If you're asking how long a retirement portfolio lasts over decades, that's a different question — use a retirement drawdown calculator for it.
What if the answer is scary?
Better to know on a calm Tuesday than during the event. Two levers move the date: cut recurring bills (every one you clear extends the runway — the calculator shows what 10% and 20% do), and make the date precise so decisions have deadlines instead of dread. Our runway drill walks through it step by step.
Is anything I type saved or sent anywhere?
No. The math runs in your browser. Nothing is sent to a server, and this page carries no analytics scripts. Refresh and it's gone.