This personal runway calculator works out how many months your available savings would cover your expenses if your income stopped today.
Your real safety margin
Your runway is the number of months your emergency cushion actually lasts once income disappears — job loss, illness, a business slowdown. With 9,000 € in savings and 1,800 € of monthly expenses, that’s exactly 5 months — inside the 3-6 month range, but still tight rather than a fully comfortable cushion.
The 3-6 month reference
A widely used guideline is keeping between 3 and 6 months of expenses covered: below 3 months leaves little room to react, while 6 months or more gives real breathing room to handle a setback without going into debt. This is a guideline only, not financial advice.