TOOLS / FOR SELLERS

How long your money lasts

Runway is the number that decides how brave you can be. Enter savings and monthly burn to see how many months you're working with.

$
Cash set aside for living and business — not retirement accounts or your tax set-aside.
$
Everything you spend in a month — living costs plus fixed business costs.
$
Revenue you're fairly sure of. Leave at 0 for a worst-case "no work comes in" view.
NET BURN / MONTH$—
RUNWAY—
MONEY RUNS OUT—

A planning estimate — it assumes steady spending and doesn't account for irregular income, surprise costs, or taxes owed later.

How this is calculated

Runway is savings divided by net burn, where net burn is monthly spending minus any expected income:savings ÷ (burn − income). If expected income covers or exceeds your burn, you're not drawing down savings at all, so runway is effectively open-ended for as long as that holds.

Most advice suggests keeping three to six months of runway as a buffer — the reasoning is inbuilding an emergency fund as a freelancer. To pressure- test the income side, the take-home pay calculator shows what your revenue is really worth after costs and taxes.