Your financial breathing room
How long could your cash carry you?
Three numbers. One immediate answer. Rough estimates are enough.
Your answer
4.8 monthsof breathing room with no income.
Your cash could cover about 4.8 months of essentials if income stopped today.
You are $5,200 away from six months of essential spending.
What the answer means
Runway measures flexibility, not success.
This tool divides accessible cash by essential monthly spending to show how long you could cover basics with no income. Reliable income is shown separately as your current monthly margin, so ongoing income does not make the emergency result look safer than it is.
Taxes, investment-sale consequences, irregular expenses, benefits, severance, unemployment eligibility, and emergencies can change the result. Use accessible cash rather than retirement money unless you have separately considered the consequences.
Questions
Cash runway FAQ
Why ignore income in the headline?
The headline answers the harder emergency question: how long cash alone could cover essentials. Your reliable income and monthly margin remain visible beside it.
What counts as essential spending?
Include the costs that would continue during an income gap: housing, food, utilities, insurance, transportation, minimum debt payments, medicine, and required family support.