THE TOOLBOX / YOUR NUMBERS, YOUR DECISION

Runway Calculator

See how long your savings could cover the gap between your household costs and business take-home.

Cash savings available ($)Liquid cash only. Don’t count retirement accounts or credit limits.Cash you won’t use ($)Emergency reserves and known one-time launch costs.Monthly household costs ($)Include housing, debt payments, health coverage, and irregular essentials.Conservative monthly take-home ($)After business expenses and a tax reserve. Include other reliable household income.

YOUR ESTIMATED RUNWAY

9.0 months

This is a planning estimate. Stress-test income and costs before making a decision.

Spendable savings$18,000

Monthly shortfall$2,000

If business take-home falls to $05.1 months

Read the decision guide

Formula: (cash savings − protected cash) ÷ (monthly household costs − conservative take-home). If income covers expenses, there is no monthly shortfall at these inputs. All values stay in your browser. This tool assumes steady costs and income; it does not model inflation, investment returns, or tax liability.