How long your money lasts
Budgie compares what you earn and spend in a typical month with the money in your cash and bank accounts. If you spend more than you earn, it shows how many months are left and when the money runs out. If you earn more, it shows how much you add each month.
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- Free, no account
- Works offline
- Source-available
One question, answered on Home
From the pill under your balance to the costs behind the number.
Months left, and the month it ends
When you spend more than you earn, Runway divides your balance by the gap and names the month it runs out.
Growing is a verdict too
Earn more than you spend and Runway shows what you add each month and how many months of spending you have.
What drives the number
Monthly history flags one-off months, and your biggest categories or tags are listed by monthly cost.
Your call in Settings
Hide the pill from Home, or let Runway count your crypto at today's market value.
- Months left at this pace
- Counts down a one-year scale
- A typical month in numbers
- Added in a typical month
- Income stays above spending
- One-off months stand out
- Biggest costs come first
- Small costs fold into Other
- The pill can go
- Crypto is opt-in
The numbers behind the verdict
complete months of historyRunway reads your last six finished months, never the one in progress.
complete months before it appearsUntil then the pill stays hidden and the tab tells you how many it has.
months on the meter scaleWhile you are burning, the meter counts months left across one year.
The whole answer on one screen
Verdict, run-out month and a typical month, together.
- Months left at this pace
- Switch on for the cautious view
- A typical month: spending, income, net
The details
For when you want to know exactly how it behaves.
Built on a typical month, not a lucky one
Runway looks at your last six complete calendar months and leaves out the month still in progress. It takes the middle value of your monthly spending and of your monthly income, so one expensive holiday or one unusually large payment does not swing the answer.
While you are burning, a meter counts the months left on a one-year scale. While you are growing there is nothing to count down, so the meter steps aside.
The balance it spends down is money you can actually use: your cash and bank accounts, including synced ones. Savings, deposits and investments stay out, and so does crypto unless you switch it on.
Want the cautious view? Switch on Include one-offs and the monthly average of irregular costs, like insurance or holidays, is added to your spending. The verdict and the balance forecast update straight away.
Questions
What does “months left” mean?
It is your cash and bank balance divided by how much more you spend than you earn in a typical month. If nothing changes, that is how long the money lasts, and Runway shows the month it would run out.
Why does Runway need three complete months?
A single month says little about your habits. Runway only counts finished calendar months, up to the last six, and appears once at least three of them have transactions. Until then the pill stays hidden and the Runway tab tells you how many complete months it has so far.
What does Include one-offs do?
It adds the monthly average of costs that come in bursts, such as an annual insurance payment or a holiday, on top of your typical month. The months left, the run-out month and the forecast then show the more cautious picture. Switch it off to go back.
Does Runway count my crypto and savings?
Savings, deposits and investments are never counted, because they are not money you spend from day to day. Crypto is left out by default. Turn on Include crypto in Settings and Runway counts it at today's market value, with a note on the verdict so you know it is included.
What if I earn more than I spend?
Then Runway says Growing and shows how much you add in a typical month, plus how many months of expenses your balance already covers. There is no run-out month, because at that pace the money does not run out.
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