How Long Can I Live on My Savings
This calculator estimates your savings runway — the number of months your current savings could cover your lifestyle if your income stopped or reduced. It accounts for any partial income you expect to continue.
How this tool helps
Enter your savings, monthly expenses and any expected income to see how many months your savings would last.
Calculator data status
This page currently uses manual calculator fields. Official country-specific payroll rates have not been fully added yet.
Official sources: 0 / 6 categories
Estimate only. This calculator uses the values and rates shown on this page. Tax, pension, health insurance, social security, unemployment and employer contribution rules differ by country and may change over time. Always verify important calculations with official government sources or a qualified payroll, tax or accounting professional.
Try the How Long Can I Live on My Savings
Enter your savings, monthly expenses and any expected income to see how many months your savings would last.
Result
Fill the form and press calculate to see an estimate.
Assumptions used
Review the inputs and limits behind this planning estimate.
How to use this calculator
This calculator estimates your savings runway — the number of months your current savings could cover your lifestyle if your income stopped or reduced. It accounts for any partial income you expect to continue.
Enter your values, then review the result to see what each number means in your planning context.
The calculator is a planning aid only, not a substitute for official financial or tax guidance.
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What is savings runway?
Savings runway is the number of months your savings would cover your expenses if your primary income stopped. It is a key measure of financial resilience.
Should I include all expenses?
Yes. Include all recurring costs: rent, utilities, food, transport, insurance, subscriptions and debt payments.
What if I still have income?
Enter your expected continuing income. It reduces the monthly burn rate and extends your runway accordingly.
How much savings runway is safe?
Many financial guides suggest 3–6 months as a minimum. The right amount depends on income stability, dependants and personal risk tolerance.
Is this financial advice?
No. This is a planning estimate. Speak with a qualified professional for personalised financial planning.