Type in the blue cells. Set anything that does not apply to 0.
WHERE YOU STAND
One bare-bones month costs—
Money you could reach today—
MONTHS OF RUNWAY—
That is roughly this many days—
THE 3-MONTH MARK
You need this much for 3 months—
Still short by—
Percent of the way there—
Months of saving still to go—
You get there around—
THE 6-MONTH MARK
You need this much for 6 months—
Still short by—
Percent of the way there—
Months of saving still to go—
You get there around—
YOUR OWN TARGET
Your target in dollars—
Still short by—
Months of saving still to go—
You get there around—
IF YOU WANT IT SOONER
Monthly amount to hit 3 months within a year—
Same thing, per week—
Monthly amount to hit 6 months within two years—
Each extra $100 a month buys you this many days sooner—
Savings Log
One row per month. Balance at month end, what went in, what came out.
Month
Fund balance
Added
Taken out
Bare-bones month
Months of runway
What happened
1
—
2
—
3
—
4
—
5
—
6
—
7
—
8
—
9
—
10
—
11
—
12
—
13
—
14
—
15
—
Where that leaves you
—
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Last updated: October 2026
Educational estimates only. These calculators and workbooks do the arithmetic on the figures you enter; they are general-purpose tools, not financial, investment, tax, legal, lending, insurance or construction advice, and no result is a quote, an offer, or a guarantee of any outcome. Results depend entirely on your inputs and assumptions. Verify anything you intend to rely on with a licensed professional — a CPA, attorney, lender, licensed contractor, or your own agent. WorkbookBarn and Marcos Gil accept no liability for decisions made using these tools. Marcos Gil is a licensed Kentucky real estate agent (License No. 296259) and is not a lender, CPA or attorney.