When Will I Run Out of Money? Free Runway Calculator
Free calculator that projects the date your balance hits zero from your balance, monthly income and expenses. Runs in your browser, nothing stored.
Frequently asked questions
How do you calculate when I run out of money?
The calculator projects your balance forward day by day, spreading monthly income and expenses evenly and applying one-off items on their date. The first day the balance drops below zero is your run-out date.
What is a good financial runway?
Three to six months of essential expenses is standard guidance; freelancers with lumpy income should aim for six months of bare-minimum costs.
Why does my real runway differ from this estimate?
This estimate averages your month. Real balances dip and recover with the actual dates of rent, tax and invoices, so the true low point is usually earlier and deeper.
How can I extend my runway quickly?
Move a large payment to after your next expected income, cancel unused subscriptions, shorten invoice payment terms, and set a weekly discretionary limit.