Without the number
“We have savings.”
“We’d be fine for a while.”
“If it happens, I’ll find something.”
Free tool · The Cash Runway Calculator
If the paychecks stopped Friday,
how many months could you cover?
Your balance shows dollars.
This shows months, and the date the money would run out.
Five questions, about two minutes, free.
- The date your cash would run out if the paychecks stopped today
- Your months of cover on a ring that fills at six months
- The change that buys you the most extra days
- Health coverage after a layoff, added in if you want it
Five questionsAbout two minutesYour numbers stay on your device
Try it with example figures
Tap a change.
Watch the days move.
Example: $24,000 of cash you can reach and $6,400 a month in must-pay bills. The calculator runs your own numbers.
Example cash runway
Full ring = 6 monthsAbout 4 months. If the paychecks stopped today, the cash would run out in about 114 days.
An estimate from example numbers. Not a forecast or advice.
8 days short of 4 months. $1,600 more cash, or $400 less in bills a month, gets you there.
Cut monthly bills
Add monthly income
Tap again to go back. A what-if only, with example figures.
Email me the calculator
Free · Sent to your inbox · Your numbers stay on your device
“We have savings.”
From “probably fine”
to a number you can see.
With the number
114 days of bills.
A run-out date you can see.
$400 less a month reaches 4 months.
Example figures. Yours will differ.
Why it’s worth two minutes
Starting the sum at night
isn’t the same as finishing it.
A meeting with no agenda lands on the calendar. A senior leader leaves. You check the balance, tell yourself it’s probably fine, and close the app.
You’d have company. 45% of U.S. adults have not set aside three months of expenses in a rainy day fund (Federal Reserve, Survey of Household Economics and Decisionmaking, 2024 data, published 2025).
Health coverage moves the number too. The average family premium is $2,249 a month (KFF 2025). COBRA lets the plan bill 102% of it, about $2,294. The calculator lets you add it in.
The ones who run the number stop guessing.
How it works
Three steps.
About two minutes.
Picture Sunday night: five numbers typed in, one number back.
Tell us where to send it
Your first name and email. The link arrives right away.
Answer five questions
Take-home pay, must-pay bills, cash you can use within two days, debt outside your mortgage, and how many sources of income you have. Estimates are fine.
See your number
Days of cover, the date it would run out, and the change that buys you more days.
What it is, and what it isn’t
An estimate from your numbers.
Never a forecast.
The calculator divides the cash you can reach by your monthly must-pay bills, after any income that would keep coming in. It can’t tell you whether your job is at risk, and it isn’t financial advice.
Your numbers stay on your device. The calculator runs in your browser and never sends your figures to us or anyone else. We keep only your first name and email address, so we can send the link and our emails.
The best time to know this number is while the paychecks are still coming. That’s when you can still change it.
Free · Sent to your inbox
Know your number
before you need it.
Five questions. About two minutes. One number you can plan around.
Email me the calculatorFree · No card · Your numbers stay on your device
A few things to know.
Is it really free?
Yes. There’s no charge and no card. We ask for your first name and email so we can send you the link.
Do you see my numbers?
No. The calculator runs in your browser and never sends your figures to us. We keep only your first name and email address.
Is this financial advice?
No. It’s an educational estimate from the numbers you enter. For decisions about your own situation, talk to a licensed professional.
Who makes it?
Wealth Tactical Ltd. makes layoff preparation tools for salaried workers in the United States. Questions go through our Support page.