Step 1 of 5
Monthly Living Expenses
Your actual monthly outflow — not what you think you spend. Be honest.
Recurring Monthly Costs
₹
₹
₹
₹
₹
₹
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
₹
₹
₹
₹
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.
₹
E.g. family wedding₹
E.g. house shifting₹
E.g. major purchaseStep 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
₹
Laptop, camera, desk setup — amortised ÷12₹
SaaS tools, design apps, hosting₹
₹
₹
₹
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.
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.
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.