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Hndy Tools

Financial Runway Simulator

How long will your money last? Simulate your runway across multiple scenarios.

🛫 Runway
📈 Inflation
🔀 Scenarios

Your Financial Situation

3%

Scenario Parameters

Income reduced from $5,000 to $2,500/mo

Expenses reduced from $4,200 to $3,360/mo

About This Tool

The Financial Runway Simulator models how long your savings will sustain you given your current income, expenses, and inflation rate. It runs three parallel scenarios: your current situation (Normal), an income disruption (Job Loss), and a spending reduction (Frugal).

The simulation uses the formula Savings(t+1) = Savings(t) + Income − Expense(t) where expenses are inflation-adjusted monthly: Expense(t) = Expense × (1 + r/12)t. The simulation runs up to 30 years and reports how many months until savings reach zero.

Not sure where your expenses are going? Use the Spending Leak Detection Engine to find your biggest money drains. For monthly budget health, try the Monthly Survival Budget Calculator, or see how investing your surplus could grow with the Lumpsum CAGR Calculator.

All calculations happen entirely in your browser — no data is sent to any server.

Frequently Asked Questions (FAQ)

What is a "financial runway"?
Your financial runway is how long your current savings will sustain you before they reach zero, given your income, expenses, and inflation. It is the same concept used by startups to measure how long they can operate — applied to personal finance.
How does inflation affect the simulation?
Inflation is applied monthly to your expenses using the formula Expense(t) = Expense × (1 + r/12)t, where r is your annual inflation rate. This means your costs gradually rise over time even if your income stays flat, which can dramatically shorten your runway.
What is the "Job Loss" scenario?
The Job Loss scenario reduces your monthly income by the percentage you specify (default 50%). This models a partial or total income disruption — useful for freelancers, contract workers, or anyone preparing for career transitions or market downturns.
What is the "Frugal" scenario?
The Frugal scenario reduces your monthly expenses by the percentage you specify (default 20%). It shows how much runway you gain by cutting discretionary spending — subscriptions, dining out, entertainment. Use the Spending Leak Detection Engine to identify exactly where to cut.
What does "30+ years" mean in the results?
If your income exceeds your inflation-adjusted expenses throughout the full 30-year simulation horizon, the tool reports "30+ years" because your savings never reach zero. This is the goal state — it means your income sustainably covers your costs.
How can I extend my runway?
The three most effective levers are: (1) reduce monthly expenses — find leaks with the Spending Leak Detection Engine; (2) grow income through side income or career growth; (3) grow savings through investing — see the Lumpsum CAGR Calculator to model investment returns.
Is my financial data stored anywhere?
No. All simulation runs entirely in your browser. No data is sent to any server and nothing is saved after you close the tab.

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