Money Runway Calculator

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

Starting savings balance (Ksh)

Ksh

Monthly withdrawal (Ksh)

Ksh

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 could cover the essentials through a job change or a slow month, at that burn rate.
Under 3 months: building the cushion comes first, and every month you add is real security. Over 3 months: your surplus is free to start working on long-term goals.

⚠️

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.

Computed by JiPange — flat saving, no return assumed

Spotted a figure that looks wrong? Tell us what it should be. Tax bands and rates change on somebody else’s schedule — a reader with their own payslip catches a stale one faster than we do.