Calculate how many months your emergency fund lasts after rent, mortgage, groceries, insurance, and debt payments.
Formula
const monthly_burn = Math.max(0, inputs.housing + inputs.essentials + inputs.insurance_debt - inputs.income_support); const runway_months = monthly_burn > 0 ? inputs.cash_savings / monthly_burn : 0; const six_month_gap = Math.max(0, monthly_burn*6 - inputs.cash_savings); return { monthly_burn: Math.round(monthly_burn), runway_months: Math.round(runway_months*10)/10, six_month_gap: Math.round(six_month_gap) };Cash Savings
15,000
Monthly Housing Cost
2,400
Monthly Essentials
1,800
Insurance and Debt Payments
700
Monthly Support / Side Income
500
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With the default inputs, $15,000 in cash savings covers an estimated $4,400 net monthly burn for about 3.4 months. Reaching a 6-month emergency fund would require about $11,400 more in savings under the same monthly-cost assumptions. Treat the result as an information-only planning estimate; account balances, benefits, taxes, debt minimums, and household costs can change quickly.
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The estimate combines Cash Savings, Monthly Housing Cost, Monthly Essentials and returns Net Monthly Burn, Emergency Runway, Gap to 6-Month Fund.
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This calculator provides estimates based on the inputs provided. It does not constitute financial advice, investment recommendations, or tax guidance. Past performance does not guarantee future results. Consult a qualified financial advisor, accountant, or tax professional before making financial decisions.
Reviewed by the CalculateThis.ai editorial team. Updates: check back for latest parameters. Tools are for estimation only — verify with current provider terms.