How Long Will Your Savings Last?
Whether you're planning for retirement, taking a career break, or simply want to understand your financial runway — our free calculator gives you a clear, instant estimate based on your savings, spending and income.
Try the Free CalculatorEnter Your Savings
Tell us your current total savings balance in pounds.
Add Your Spending
Enter your average monthly outgoings and any regular income.
Get Your Estimate
Instantly see how long your money could last in years and months.
Frequently Asked Questions
The calculator works out your net monthly burn — your monthly spending minus any
regular income. It then divides your total savings by that figure to give you an estimate of how many
months and years your money could last. It's a simple, straight-line model — ideal for quick planning.
It depends on your savings balance, monthly spending, and any income you receive.
As a rough guide, £50,000 with a £2,000 monthly net spend would last roughly 25 months
(just over 2 years). Use the calculator above to run your own numbers in seconds.
Yes — it estimates the point at which your savings would reach zero at your current rate of spending.
If your income covers your spending, the tool will tell you your savings are not being depleted at all.
Note: this tool provides estimates only and is not financial advice.
For personalised guidance, consult a qualified financial adviser.
This tool provides estimates only and is not financial advice.
Helpful guides
Explore practical articles to help plan your savings runway in more detail: