What is your personal runway?
Founders track company runway to the week. Almost nobody tracks their own. Enter your cash, investments and monthly burn and get your personal runway in months, with scenarios.
Your numbers
Fill in what you own. Skip what doesn't apply.
Your runway appears here
Pick your country, enter monthly expenses and at least one asset. The numbers update as you type.
SabbaticAid uses historic averages, not a crystal ball. Not financial advice. Talk to a real advisor for big decisions.
Runway, burn and the personal balance sheet
If you have started a company or worked for yourself, you already think in runway: cash in the bank divided by monthly burn, adjusted for what comes in. Your personal finances work the same way, with two twists. Some of your assets earn while they sit there, so the runway is longer than a plain division suggests. And some of them are illiquid: home equity and a stake in a private company are real wealth but not spendable this month, so this planner shows them and leaves them out of the runway.
Why founders and freelancers need this number
Personal runway is what lets you say no. It is the difference between taking a client at a bad rate and holding out for a good one, between raising on poor terms and waiting a quarter, between quitting to build something and staying because you cannot afford to. Knowing you have eleven months rather than a vague sense of "a while" changes the decisions you make this week.
Freelancers face an extra wrinkle: income is lumpy, so burn should be measured against the lean months, not the average. Enter your real spending in a quiet month and treat the resulting runway as your true floor.
Stress-testing the plan
The scenarios card runs three cases instantly: markets drop 30%, spending cut by 20%, spending up 20%. Watch how much the spending cut adds; for most people it is the single biggest lever. The risk score summarises concentration and liquidity: if 70% of your wealth is in one asset class, or your cash is thin next to your stock holdings, the score rises and the plan panel tells you what to change before you rely on the runway.
Questions people ask
What counts as personal runway?
Liquid assets (cash, stocks, bonds, crypto, other sellable holdings) divided by net monthly burn, where net burn is your spending minus the yield those assets produce. Property and private equity are excluded because you cannot spend them monthly.
How many months of runway should I have?
For a job change or a break, six to twelve months is the usual comfort zone. For founding a company, most advisers suggest twelve to eighteen months of personal runway before you start, so the company's runway is not also your rent money.
Is my data stored?
Only in your own browser, so you can come back to it. Nothing is sent to a server.