Sabbatical Calculator:
Can You Afford Time Off?
Free sabbatical runway calculator. See how many months your savings last, compare 11 countries, and plan your career break in 60 seconds. No signup required.
100% private. Your data stays in your browser.
How It Works
Three steps to clarity
1. Your situation
Pick your country and enter monthly expenses. Takes 10 seconds.
2. Your assets
Add savings, stocks, property, crypto. Skip what doesn't apply.
3. Your runway
Runway in months, risk score, scenarios, and country-specific guidance.
Everything You Need
More than a simple calculator
Runway Calculator
Iterative drawdown model with passive yield per asset class. Not just savings divided by expenses.
Scenario Modeling
What if markets crash 30%? What if you cut spending 20%? See the impact instantly.
11 Country Guides
Visa pathways, real costs, tax rules, health insurance, and honest local tips.
Fiscal Relocation
Compare tax regimes, cost of living, and immigration. Find where your money lasts longest.
PDF Export
Download your complete sabbatical plan as a branded PDF. Share it with your partner or advisor.
Research-Backed FAQ
Answers to 12 common sabbatical questions, backed by real data and studies.
Country Guides
Where will you take yours?
Netherlands
United States
United Kingdom
Germany
Portugal
Spain
UAE
Singapore
Switzerland
Monaco
FranceReady to find out?
60 seconds. No email, no signup, no data leaves your browser.
The Method
How a sabbatical calculator actually works
Most sabbatical calculators do simple division: savings divided by monthly expenses. That number is wrong, usually by 20-40%. A real sabbatical runway depends on three moving pieces: how your assets generate passive income while you draw them down, how taxes and country rules affect what you keep, and how risk events (market drops, unexpected expenses) compress your timeline.
SabbaticAid runs an iterative drawdown model. Each month, your liquid assets earn yield based on their asset class (cash, bonds, equities, property, crypto), then your living expenses are deducted. The runway is the number of months until your liquid assets reach zero, accounting for compounding returns on what's left. That's why the same €100,000 lasts longer in a low-cost-of-living country with a diversified portfolio than as pure savings in a high-tax jurisdiction.
What affects your sabbatical runway
Country choice is the largest single lever. Monthly costs in Lisbon or Singapore can be a fraction of London or Zurich, and tax regimes like Portugal's NHR or the UAE's zero income tax extend the same nest egg by 6-18 months. Our country guides break down real numbers for 11 jurisdictions including the Netherlands, United States, United Kingdom, Germany, Portugal, Spain, France, Switzerland, Monaco, UAE, and Singapore.
Asset mix matters more than total amount. Equities yield more long-term but carry sequence-of-returns risk during a sabbatical. Cash and bonds are predictable but lose to inflation. Most successful sabbaticals keep 9-12 months of expenses in cash buffer and let the rest stay invested.
Re-entry timing is the cost most people forget. Plan for 1-3 months of job search after returning. Health insurance gaps, tax-year transitions, and rebuilding pension contributions all add to the runway you should target before quitting.
How long should a sabbatical be?
Three to nine months is the sweet spot for most professionals. Under three months rarely produces meaningful recovery from burnout. Over twelve months can complicate re-entry. Six months is where most people report the biggest shift. Use the calculator to find which length actually fits your finances rather than guessing.