How long will my savings last?

If you are between jobs, on a sabbatical, building a startup, or retired, the question isn't 'how much can I spend?' but 'how long does my money last?'. PlannedOut answers it from your own spending, not a generic rule of thumb.

Encrypted in your browser · No bank or SMS access

Built from your real numbers

Monthly burn is calculated from your actual spending minus any regular income
Annual bills like insurance and school fees are added on top
Set how fast spending grows each year (inflation)
Add a yearly holiday budget
Start from your latest balance checkpoint across all accounts

Example figures.

See the outcome

Months of runway left
Year-by-year savings projection until the year you choose
What-ifs: cut day-to-day spending, drop a fixed cost, add part-time income
Which change extends your runway the most

Example. Try what-ifs to see which change buys the most time.

Who uses this

People taking a career break or sabbatical
Anyone between jobs after a layoff
Founders and freelancers with uneven income
FIRE and early retirement planners
Retirees living on savings, pension or SWP withdrawals

Questions

How do I calculate how long my savings will last?

Divide your savings by your monthly burn (spending minus regular income), then adjust for annual bills and inflation. PlannedOut does this automatically from your own data.

Can I plan for early retirement or FIRE?

Yes. Set a horizon year, spending growth and annual costs, and see whether your savings last the distance.

Does it work if I still earn a salary?

Yes. With a salary it shows how much more you can spend each month; living off savings it shows your runway.

More guides

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Excel budget alternative: An alternative to Excel and Google Sheets budget templates. Spreadsheet-style entry with formulas and paste, plus automatic monthly verdicts, trends and savings projections. Import your .xlsx.
Private expense tracker: A private, end-to-end encrypted expense and budget tracker. No bank login, no SMS access, no ads, no data selling. Your numbers are encrypted in your browser before they are saved.
Annual expenses planner: Plan annual and irregular expenses like school fees, insurance premiums, property tax, subscriptions and festivals. See the yearly total and the monthly amount to set aside.