How Long Will My Savings Last? A Private Runway Calculator
After a layoff, or a thin month, almost everyone does the same sum in their head: how long can I keep going? Runway (How Long Savings Last) does that sum for you with two numbers, with no ads and no bank login.
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The problem
Worrying about money is real. A 2026 Resume Genius survey of 1,000 laid-off Americans found that 34% had spent most or all of their savings before they found a new job, and a 2025 Bankrate survey found that 43% of Americans say money affects their mental health. The question "how long does this last?" is easy to ask yourself and awkward to ask anyone else. Online calculators tend to bury the answer under ads, and budgeting apps ask you to connect a bank account before they tell you anything.
How Runway (How Long Savings Last) works
- Type the money you have. If you want, open Details and split it into savings and severance or other one-off money.
- Type what you spend each month. For a closer look, open Details and fill six lines such as rent, food and insurance.
- Read the answer: a number of months and the date it runs out, worked out from the day you last updated your balance.
- Drag a cut slider to see how the date moves if a cost goes down. You can also add money that still comes in each month, such as part-time pay.
What you get
- Two numbers, one dateMoney you have divided by what you spend each month, shown as months rounded down to one decimal place and as a date. For example, $12,000 ÷ $3,000 each month is 4.0 months. If money coming in covers your costs, Runway says it doesn't run out instead of showing a number.
- Cut sliders that move the dateCut all costs by a percentage, or cut one line at a time. The date moves as you drag, and a line shows how many weeks or days you gain.
- An emergency fund goal you choosePick 3, 6 or 9 months of costs and a date. Runway shows the amount and how much a month would reach it. The number of months is your choice, and Runway does not tell you which to pick.
- A share card with no amountsThe card shows only the number of months, never an amount or a currency. Free cards carry a small 1usd.life mark, and Pro cards do not.
- Pro, for $1 onceFree keeps one plan. Pro adds up to 6 scenarios side by side with a comparison table, a week-by-week chart of the date your money would run out, import of average spending and income from a PennyLog CSV, and a passcode that encrypts your numbers (AES-256).
Private by design
Every number you type, and your scenarios, weekly results and settings, is kept only in this browser on this device. There is no account and no bank connection, and nothing is sent to us or anyone else. Share cards show only the number of months. The only time anything leaves the device is when you paste a Pro key, which is checked once. Because nothing is stored on a server, clearing site data or losing the device without a backup file loses your numbers, so use Back up to a file in Settings now and then. The backup file you download is not encrypted, so keep it somewhere safe.
Free vs Pro
FAQ
Is Runway free?
Yes. One plan, the countdown, cut sliders, the emergency fund goal and share cards are free, forever, in 15 languages and any currency. Pro is $1 once, not a subscription, with a 7-day refund.
Is this financial advice?
No. Runway is arithmetic on the numbers you type. It does not tell you what to do with your money or recommend any product.
Does it connect to my bank?
No. Runway never connects to a bank and never looks up a balance. Every number is typed by you, and the result counts from the date you last updated your balance.
Does it include inflation or interest?
No. It is a straight-line estimate that assumes your costs and income stay the same every month. It leaves out inflation, interest, taxes, price changes and one-off costs, and real life usually differs.
What does Pro add?
Up to 6 scenarios side by side with a comparison table, a week-by-week chart of the date your money would run out, PennyLog CSV import, a passcode that encrypts your numbers (AES-256) and share cards without the 1usd.life mark. It is $1 once.
Can anyone see my numbers, and what is on the share card?
Nobody else can see your numbers, because they stay on your device. The share card shows only the number of months and the month and year of your last update. It never shows an amount or a currency.