Emergency fund runway planner.
See how long your reserve could cover essentials after an unexpected cost.
UNDERSTAND THE ESTIMATE
How to use this planner
Enter liquid reserves, an immediate unexpected cost, monthly essentials, continuing monthly income and a target period. Compare runway with and without continuing income.
The calculation
Available reserve = reserves − immediate cost, with any immediate shortfall shown separately. When expenses exceed continuing income, runway = available reserve / monthly net spending. A nonpositive monthly gap does not establish unlimited financial security.
Uses your entered reserves, expenses and continuing income. Interest, inflation, taxes and bill timing are excluded. Estimates are not financial advice.
CFPB guide to building an emergency fund ↗ILLUSTRATIVE EXAMPLE
Follow the numbers
A reserve of 6,000 and an immediate cost of 1,000 leave 5,000. With monthly essentials of 1,000 and no continuing income, that covers five months in the model.
Does this account for bills arriving before income?
No. It uses monthly totals and excludes interest, inflation, taxes and bill timing. Use the cash-flow planner to explore specific income and expense dates.