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
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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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 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
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Laptop, camera, desk setup — amortised ÷12₹
SaaS tools, design apps, hosting₹
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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
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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.
One Last Step
Your results are ready.
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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.