Cash Years translates money into time
The calculator shows how current liquid cash, recurring income, and monthly spending shape your financial runway.
Calculation model
Weekly income is converted with 52/12, annual income with 1/12, and one-time income is excluded from the recurring baseline. If expenses exceed recurring income, monthly burn equals the difference and runway equals cash divided by burn. A month is 365.2425/12 days.
Limitations
The model keeps recurring inputs constant. It does not forecast inflation, taxes, debt interest, investment returns, payment timing inside a month, or unexpected shocks. A non-negative baseline is labelled non-depleting, not risk-free or literally infinite.
Privacy and editorial policy
Inputs and history are stored in browser local storage. No bank login or account is requested. Articles are published by the Cash Years Editorial Team, formulas are checked against the application engine, and factual claims use primary sources. Dates change only after substantive edits.