How long will your savings last?
Not savings divided by spending. A month-by-month drawdown that counts the yield on what you hold, leaves out what you cannot spend, and shows how a bad year or a leaner budget moves the answer.
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.
Why the simple division is wrong
Divide 60,000 in savings by 3,000 a month and you get 20 months. In practice you get more, because the money keeps earning while you spend it, and possibly less, because selling investments costs tax and because expenses drift up when you have time on your hands. This calculator models the first effect properly, per asset class: cash at a savings rate, bonds a little higher, stocks higher still but more volatile, crypto at zero yield and high risk. You can override every yield assumption if you disagree with the defaults.
What counts and what does not
Only liquid assets count towards the runway: things you can turn into money this month without selling your home. Property is shown in the asset mix so you see your full picture, but it does not extend the runway. If you have rental income, add it by lowering your monthly expenses by that amount; that is the honest way to model it.
Reading the scenarios
Three cases run automatically. A 30% market drop hits stocks and halves crypto; if your runway barely moves, your mix is doing its job. A 20% spending cut usually adds more months than people expect, because it applies every month. A 20% spending increase shows the lifestyle-creep risk of unstructured time. The risk score rolls these into one number, and the plan panel says what to fix if it is high: usually holding more cash, or spreading a concentrated position.
Questions people ask
How long will 100,000 last?
At 3,000 a month with no yield, about 33 months. With a typical mix earning 4% a year, closer to 36 months. At 2,000 a month, more than four years. Enter your own numbers to see the exact figure for your mix.
Does the calculator include investment returns?
Yes. Each asset class earns a default annual yield that you can adjust, applied month by month as the balance shrinks.
Is inflation included?
Not directly. For breaks under two years it changes the answer by a few percent. If you want to be conservative, enter monthly expenses about 3% higher than today.