Free tool
How long would your money last?
Divide your accessible savings by your essential monthly spending. The answer is your savings runway, in months. Example: $18,000 in savings and $4,500 in essential spending a month gives a runway of exactly 4 months.
This is a useful estimate. Your complete financial picture may change it.
WealthAge can calculate this using your actual accounts, obligations, cash flow and resilience, and keep it updated as your life changes.
Get WealthAge$129 a year, or $14.99 a month
What counts as essential spending?
Housing, utilities, food, insurance, and minimum debt payments: the costs that do not stop when income does. Discretionary spending is usually cut first in a real shock, so a serious runway estimate leaves it out.
Why this number alone is not the full picture
Savings runway ignores other income sources, debt service pressure, and how quickly your assets are actually reachable in a crisis. The WealthAge Resilience Score adds all of that, simulates a real shock, and was validated on U.S. Census Bureau survey data.