Runway Calculator
Everything that reliably arrives, divided by what a month honestly costs. Not an estimate — a number you recompute on a schedule.
Your runway
Recompute this every two weeks, the same day, from live balances — not from memory. Calendar it: "the number."
What is not runway
Retirement accounts, home equity, and available credit. If it cannot pay October's mortgage without a penalty, a sale, or a loan, it is not a month of runway. Counting them anyway is how a six-month problem becomes a decade problem.
Taught in your runway number, part of layoff to launch.