Escape Velocity
Financial Runway CalculatorRunway Calculator
Step 1 of 5

How much do you really need
before quitting?

Calculate your financial runway in 5 steps

RUNWAY = SAVINGS ÷ REAL MONTHLY BURN TARGET: 2 YRS MIN · 5 YRS IDEAL
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Step 1 of 5
Monthly Living Expenses
Your actual monthly outflow — not what you think you spend. Be honest.
Recurring Monthly Costs
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₹
₹
₹
₹
₹
Monthly Living Subtotal ₹ 0
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Step 2 of 5
Annual & Ad-hoc Expenses
Costs that don't hit monthly but hit hard. Enter annual totals — we convert to monthly.
💡 Enter as annual totals. E.g. school fees ₹1.2L/year → enter ₹1,20,000. We divide by 12 and add to your monthly burn automatically.
Annual Recurring Costs
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₹
₹
₹
Known One-Time Ad-hoc Costs
📌 Major expenses you foresee in the next 1–3 years (wedding, relocation, big purchase). These are deducted from your savings directly as a lump sum.
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E.g. family wedding
₹
E.g. house shifting
₹
E.g. major purchase
Adjusted Monthly Burn (Living + Annuals) ₹ 0
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Step 3 of 5
Business & Setup Costs
The category most people forget. This is what turned Amit's 17-month runway into 11.
⚠️ Don't underestimate this. One-time equipment is amortised over 12 months. Add what you realistically need to operate.
Business Running Costs
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Laptop, camera, desk setup — amortised ÷12
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SaaS tools, design apps, hosting
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₹
₹
₹
Total Monthly Burn (Living + Business) ₹ 0
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Step 4 of 5
Safety Net & Current Savings
Your employer's health cover ends the day you quit. These foundations need to be in place first.
Safety Net Checklist
I have personal health insurance (independent of employer) Mediclaim or family floater not tied to your current job
I have a dedicated emergency fund (3–6 months expenses) Kept separately from the runway savings I'm calculating now
Current Liquid Savings
₹
Only funds accessible within 30 days. Do NOT include PF, locked FDs, or illiquid investments.
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Step 5 of 5
Runway Goal
How long do you need? Pick your business type for a data-backed suggestion.
Business Type
🤝
Service / Consulting
Stable 4–6 mo · Suggest 24 mo
Freelancing, consulting, coaching — income starts quicker but takes time to become predictable.
📱
Content / Creator
2–3 years · Suggest 42 mo
YouTube, newsletters, social media — audience building is a long game. Patience is your asset.
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Product / SaaS / App
18–24 months · Suggest 36 mo
PMF discovery, iteration cycles, distribution — all before reliable recurring revenue.
📦
E-commerce / D2C
6–12 months · Suggest 27 mo
Clear market, earlier revenue possible — but cash-flow management is critical.
🧠 Runway isn't just survival math — it's a mental safety net. Ask yourself: at what number would I not panic even after 12 zero-income months?
Your Target
Minimum 24 months recommended. 60 months = real peace of mind.
One Last Step
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About the Financial Runway Calculator

The Financial Runway Calculator works out how many months you can support yourself and your family after leaving a salaried job — your real financial runway — before your savings run out. Most runway estimates only subtract living expenses from savings. This one factors in the obligations that actually sink first-time founders: EMIs, dependent parents, children's education, and insurance.

How financial runway is calculated

Runway in months equals your total accessible savings divided by your full monthly burn. Your full monthly burn is much more than rent and groceries — the calculator adds up:

Comparing that full burn against your savings gives a realistic runway and a recommended buffer — not an optimistic guess.

Frequently asked questions

How much money do I need before quitting my job?

Enough accessible savings to cover your full monthly burn — living costs plus EMIs, dependents, education, insurance, and business expenses — for as long as it takes your business to reach break-even, plus a safety buffer. Many planners suggest 18 to 24 months; this calculator gives you the number for your actual situation.

What is a financial runway?

Your financial runway is the number of months you can keep paying your expenses from savings while earning little or no income — the time you have to make your business work before money becomes a crisis.

Why does it include EMIs, dependents, insurance, and business expenses?

Because those costs don't stop when your salary does. Leaving them out is the most common reason people underestimate how much they need and run out of money sooner than they expected.

Is the calculator free?

Yes — it is completely free.

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Disclaimer
The Financial Runway Calculator provides estimates based solely on the figures you enter. Results are simplified projections and do not account for inflation, taxation, unexpected expenses, changes in income, market conditions, or other financial variables specific to your situation. This tool is not a financial planning instrument and does not constitute financial, investment, or professional advice of any kind. The output should not be used as the sole basis for any decision to leave employment, restructure your finances, or start a business. Escape Velocity makes no warranties regarding the accuracy or completeness of any result generated. We strongly recommend consulting a qualified financial advisor or chartered accountant before making any significant financial decision.