---
title: "How long would my savings last? | Candor"
description: "Months of runway if your income stopped or dropped, from what you actually spend. See what your agent needs and try the prompt with your finances in Candor."
url: "https://candor.money/explore/savings-runway"
updated: "2026-11-13"
---

# How long would my savings last?

Months of runway if your income stopped or dropped, from what you actually spend.

[Try this with your agent↓](#try-prompt)

What your agent needs

Cash balances and several months of spending. Your agent asks which accounts you would draw on.

What you get back

A live page with your runway at current and trimmed spending, and the bills you could not pause.

When to use it

A focused review when this question comes up.

## Try it with your finances.

Copy the prompt into the AI agent you use with Candor. It works from your Candor records and asks for anything it's missing. New to Candor? [Connect your agent first.](https://candor.money/connect)

Your prompt

Work out how long my savings would last if my income stopped. Use my balances and recent spending in Candor, and ask which accounts I would actually draw on. Separate bills I cannot pause from spending I could cut. Build a live page in Candor that shows my runway in months at my current spending, at a trimmed level I can set, and if half my income continued. Show the assumptions on the page and let me change them there. If something the page depends on is missing, say so on the page instead of counting it as zero. Tell me the answer in our conversation too.

Nothing runs until you send the prompt to your agent.

## Runway depends on the bills you cannot pause

How long savings last turns on what would keep going out if pay stopped. Candor shows your balances and what you have spent, so your agent can separate fixed bills from spending you could cut. Not every balance is cash you would draw on, so say which accounts count.

### Check the answer

* Check which accounts the page counts. Retirement accounts and money set aside for something else usually should not be in the runway.
* Compare the runway at your current spending with a trimmed level you could actually live on. The gap between them is your real room to adjust.

### Choose a next step

If the runway is shorter than you want, set a target with an emergency fund goal. If your pay is uneven, look at a slow stretch rather than a full stop.

## Keep exploring.

[Cash and debtHow big should my emergency fund be?Size a cushion from your actual essential spending, and see how many months you have now.One-time review](https://candor.money/explore/emergency-fund-size)[Looking aheadHow long could I go if work slows down?Runway on uneven pay, using your own slowest weeks rather than an average.One-time or monthly](https://candor.money/explore/slow-stretch)[Where I standCould we handle a setback?Explore how your whole financial picture would hold up to a setback.One-time review](https://candor.money/explore/financial-resilience)

## Ask it with your own numbers.

Set up Candor, then send this to the agent you already use. It answers from your real records and keeps the plan for next time.

[Start free→](https://app.candor.money/signup)[Connect your agent](https://candor.money/connect)