This is not a model that guesses when AI will take a job. It counts how long your money lasts from the income-stop date you chose.

runway = starting money ÷ monthly shortfall

If income stops in the future

Starting money = savings today + (monthly take-home − monthly spending) × months until pay stops. If your money runs out before then, that is shown separately. “Annual take-home” is divided by 12. Choosing the AI replacement date uses the months from today until that date.

Spending cuts, side income, re-employment

Cuts and side income apply from the moment pay stops. Net spending before and after re-employment is computed separately. Side income is assumed to continue after re-employment. If money runs out before re-employment, the later salary does not push the depletion point back.

If income exceeds spending

If your money lasts until then and net spending is zero or below afterwards, the result reads “money does not run out under these conditions”. That does not mean you are safe for life.

Not included

Tax estimates, severance, unemployment benefits, new debt and one-off costs are not included. Interest and loan payments must be part of monthly spending. The return and inflation are the assumptions set above. A month is 365.2425 ÷ 12 days.

Returns and inflation

Savings grow every month at the real rate ((1+return) ÷ (1+inflation))^(1/12) − 1. Spending, pay, side income and new-job pay are held in today’s money because they rise with prices. Set the return equal to inflation and the result matches a calculation that ignores both. When the return on your savings alone covers spending, the money never runs out.