Money Runway Calculator

See how long your savings will last at a given monthly withdrawal.

⚠️

67%

of Kenyans have less than one month of expenses saved — one job loss or medical bill away from a crisis.

FinAccess Household Survey 2024

🛡️

15 months

is all it takes to build a 3-month KSh 30,000 emergency fund by saving KSh 2,000/month — start today.

JiPange projection

Starting savings balance (KES)

Monthly withdrawal (KES)

Drag to see the runway change instantlyKsh 0/mo

Expected annual return while drawing down

📖 How this works — 30-second tutorial

Enter everything you could access within days: M-Pesa, bank, and instant-withdrawal MMF balances.
Set your survival burn rate — rent, basic food, and core utilities only (use 0% return for a strict stress test).
The runway is how long you'd survive a job loss or cash-flow freeze at that burn rate.
Under 3 months: build the cushion first. Over 3 months: your surplus is free for long-term wealth builders.