Run Out of Money Calculator (UK): How to Use It
A run out of money calculator helps you estimate when your savings could reach zero at your current spending pace.
Inputs that matter most
- Total savings available now
- Average monthly spending
- Reliable monthly income
How to read the result
If your net burn is positive, the calculator shows your expected runway in months and years. If your income covers spending, your savings are not currently being depleted.
Common mistakes to avoid
- Underestimating annual bills (car, home, travel, insurance)
- Ignoring inflation when planning multiple years
- Using best-case income instead of dependable income