money coming in
Every stream — main hustle, side hustle, charter income, that one retainer. Monthly amounts.
fixed expenses
Costs that stay the same every month: rent, phone, utilities, insurance, subscriptions you actually need.
variable expenses
The costs that move: food, gas, health (the real wealth — keep it in the budget). Pull 6–12 months of bank statements and overestimate. Flexibility is a feature.
debts + interest
Required monthly payments — student loans, credit cards, car note. If a payment is set to increase soon, use the higher number.
cash on hand
Current cash savings only. Exclude retirement — those funds stay put. This is the fuel in the tank.
Enter your numbers above. The runway updates as you type.
lengthen the runway
Frugality creates freedom. Drag to see what cutting your variable spending does to your timeline — shared living, selling the car back, no dining out. Temporary sacrifices = a longer runway.