Emergency Fund Runway
How long can you actually survive on what you have saved? Not how much you should have. It shows how long what you have actually lasts.
Monthly Essential Expenses
$
$
$
$
$
$
$
Income Available During Emergency
$
$
mo
Savings
$
mo
Current Runway
2.2 months
Recommended for salaried: 4 months
Monthly Burn Rate (Net)
$3,650
Essentials minus available income
Target Fund Amount
$21,900
6 months × $3,650/mo burn
Funding Gap
$13,900
Still needed to reach target
Monthly Expense Breakdown
| Category | Monthly Amount |
|---|---|
| Housing | $1,800 |
| Utilities | $150 |
| Groceries | $400 |
| Transportation | $350 |
| Insurance | $300 |
| Debt Minimums | $450 |
| Other Essentials | $200 |
| Total Monthly Essentials | $3,650 |
| Net Monthly Burn | $3,650 |
Time to Reach Target by Savings Rate
| Monthly Savings | Months to Target |
|---|---|
| $200/mo | 70 months |
| $400/mo | 35 months |
| $600/mo | 24 months |
| $1,000/mo | 14 months |
The recommended runway for salaried employees (stable income) is 4 months. Your current 2.2-month runway is below that threshold. Higher income volatility (freelance, contractor) demands a longer buffer because your next paycheck is less certain.