living · free calculator
Pattaya savings runway calculator
Estimate how many months a cash reserve covers when monthly spending exceeds reliable monthly income. The tool divides available savings by that monthly shortfall. If income covers spending, it reports no modeled drawdown. It assumes unchanged cash flows and excludes interest, investment changes, inflation, exchange movements and emergency costs.
Complete the main fields. Optional details start at zero. Example inputs are fictional, not local quotes.
Your calculation
Result from your inputs
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See the calculation.
Monthly drawdown = spending − income. If positive: months covered = savings ÷ drawdown. Otherwise no drawdown is modeled.
A worked example
300,000 reserve ÷ a 15,000 monthly shortfall = 20 months under unchanged assumptions.
What the result leaves out
Use liquid savings you can actually access. This arithmetic cannot establish retirement readiness, visa eligibility or a safe withdrawal rate.
For help choosing inputs, read the worked guide for this calculation.
Formula specification: Published calculator formulas and assumptions
Checked 25 October 2026 · Source date: 2026-10-25.
Transparent arithmetic only; no investment, legal or eligibility conclusion