Upward

See where you stand. Build your runway. Steer it upward.

How long does your cash last — and how does that change if you pull any single lever? Pick a preset, adjust the levers, then save or share a link.

Presets

Anchor to a real moment — today, your layoff date, the start of parental leave, or when severance lands. Balances are as of this date; everything runs forward from it.

Runway
8.9 months
39 weeks
Cash-zero date
Mar 30, 2027
When funds run out
vs. baseline
—
Same as the baseline scenario

Runway

Net liquid over time
$0$12,500$25,000$37,500$50,000Jul ’26Sep ’26Nov ’26Jan ’27Mar ’27May ’27Jun ’27
Net liquid

Accounts

$22,000 in assets · tapped top → bottom
1
$

Operating cash you spend from day to day.

2
$

Cash savings. No tax on withdrawal, no ongoing cost.

3
$

Savings that earns interest. No tax to withdraw; yield is modeled as a small inflow. · earns ≈ $13/mo at this balance

4
$

Taxable investments. Capital-gains tax on the gains portion; no early-withdrawal penalty.

5
$

Contributions come out tax- & penalty-free. If you'll tap earnings, raise the taxable / penalty fractions.

6
$

Full withdrawal taxed as ordinary income, plus a 10% early-withdrawal penalty.

7
$

Available credit · Borrowed money. No tax, but monthly interest accrues on the drawn balance starting the month after a draw. · ≈ $71/mo interest per $10k drawn

Levers

Income
$
Fromthrough
$
Fromthrough
One-time inflows / outflows
$
Major asset sale

Ledger

The auditable trail behind every number

A forward projection from your as-of date — not a bank statement. Lines marked “≈” are modeled estimates (spend, yield, taxes); the rest are inputs you entered.

MonthOpeningInOutClosing
▸Jul 2026$22,000$9,013−$9,300$21,713
▸Aug 2026$21,713$17,013−$9,300$29,427
▸Sep 2026$29,427$3,913−$7,900$25,440
▸Oct 2026$25,440$3,913−$7,900$21,454
▸Nov 2026$21,454$3,914−$7,900$17,467
▸Dec 2026$17,467$3,914−$7,900$13,481
▸Jan 2027$13,481$3,908−$7,900$9,489
▸Feb 2027$9,489$3,900−$7,900$5,489
▸Mar 2027$5,489—−$7,900−$2,411
▸Apr 2027−$2,411—−$7,914−$10,325
▸May 2027−$10,325—−$7,914−$18,239
▸Jun 2027−$18,239—−$7,914−$26,154
▸Jul 2027−$26,154—−$7,914−$34,068
▸Aug 2027−$34,068—−$7,914−$41,982
▸Sep 2027−$41,982—−$7,914−$49,896
▸Oct 2027−$49,896—−$7,914−$57,810
▸Nov 2027−$57,810—−$7,914−$65,724
▸Dec 2027−$65,724—−$7,914−$73,639
▸Jan 2028−$73,639—−$7,914−$81,553
▸Feb 2028−$81,553—−$7,914−$89,467
▸Mar 2028−$89,467—−$7,914−$97,381
▸Apr 2028−$97,381—−$9,249−$106,630
▸May 2028−$106,630—−$7,914−$114,544
▸Jun 2028−$114,544—−$7,914−$122,459
▸Jul 2028−$122,459—−$7,914−$130,373
▸Aug 2028−$130,373—−$7,914−$138,287
▸Sep 2028−$138,287—−$7,914−$146,201
▸Oct 2028−$146,201—−$7,914−$154,115
▸Nov 2028−$154,115—−$7,914−$162,029
▸Dec 2028−$162,029—−$7,914−$169,944
▸Jan 2029−$169,944—−$7,914−$177,858
▸Feb 2029−$177,858—−$7,914−$185,772
▸Mar 2029−$185,772—−$7,914−$193,686
▸Apr 2029−$193,686—−$7,914−$201,600
▸May 2029−$201,600—−$7,914−$209,514
▸Jun 2029−$209,514—−$7,914−$217,429
▸Jul 2029−$217,429—−$7,914−$225,343
▸Aug 2029−$225,343—−$7,914−$233,257
▸Sep 2029−$233,257—−$7,914−$241,171
▸Oct 2029−$241,171—−$7,914−$249,085
▸Nov 2029−$249,085—−$7,914−$256,999
▸Dec 2029−$256,999—−$7,914−$264,914
▸Jan 2030−$264,914—−$7,914−$272,828
▸Feb 2030−$272,828—−$7,914−$280,742
▸Mar 2030−$280,742—−$7,914−$288,656
▸Apr 2030−$288,656—−$7,914−$296,570
▸May 2030−$296,570—−$7,914−$304,484
▸Jun 2030−$304,484—−$7,914−$312,399
▸Jul 2030−$312,399—−$7,914−$320,313
▸Aug 2030−$320,313—−$7,914−$328,227
▸Sep 2030−$328,227—−$7,914−$336,141
▸Oct 2030−$336,141—−$7,914−$344,055
▸Nov 2030−$344,055—−$7,914−$351,969
▸Dec 2030−$351,969—−$7,914−$359,884
▸Jan 2031−$359,884—−$7,914−$367,798
▸Feb 2031−$367,798—−$7,914−$375,712
▸Mar 2031−$375,712—−$7,914−$383,626
▸Apr 2031−$383,626—−$7,914−$391,540
▸May 2031−$391,540—−$7,914−$399,454
▸Jun 2031−$399,454—−$7,914−$407,369