Free founder finance tool
Founder Personal Runway Calculator
Estimate how many months your personal savings can support entrepreneurship after household spending, outside income and a protected emergency reserve.
Simple personal runway
Monthly runway modelHow long can savings support the founder?
Personal cash position
Monthly household cash flow
Simple methodSpendable savings = personal savings minus the protected emergency reserve and one-time transition costs. Monthly personal burn = household spending + tax/irregular buffer − outside income − founder draw. Runway equals spendable savings divided by monthly personal burn. If income and founder draw fully cover monthly spending, runway is shown as self-sustaining rather than a finite number of months.
Advanced personal runway
Up to 60 monthsModel the household cash path month by month
Savings & reserves
Monthly household spending
Income outside the business
Founder draw plan
Planned spending reduction
Advanced methodThe calculator starts with savings after one-time transition costs, protects the selected emergency reserve, and then models household cash flow month by month. Planned business draws are multiplied by the confidence factor before they offset household spending. Spending cuts apply from the selected month forward. Runway ends when projected savings first fall to the protected reserve.
Monthly runway forecast
Reserve is not spent in the modelPersonal savings path
| Month | Household spending | Outside income | Effective founder draw | Net personal burn | Projected savings | Status |
|---|
Savings sensitivity
All other assumptions unchangedRunway at different savings levels
| Personal savings | Spendable savings | Projected runway | Savings at target month | Target runway met? |
|---|
Spending sensitivity
All spending categories scaled togetherRunway as household spending changes
| Spending scale | Starting monthly spending | Projected runway | Savings at target month | Burn reduction needed |
|---|
Founder-income sensitivity
Draw confidence still appliedRunway at different founder draw levels
| Late-stage founder draw | Effective draw | Projected runway | Savings at target month | Target runway met? |
|---|
Scope
Personal runway should be planned separately from business runway
This calculator is a personal cash-flow planning model, not financial advice. Keep personal emergency reserves distinct from business operating cash, use after-tax household income where practical, and account for health insurance, taxes, debt payments, family obligations and irregular expenses that can materially change founder runway.