Savings runway

Total savings (USD)

Keep as a reserve (USD)

Monthly take-home income (USD)

Spending assumption

Available after reserve: $45,000
Longest modeled runway: 60 months

Focus on a city

Savings runway using your assumptions
City	Modeled monthly spending	Monthly drawdown	Runway
KathmanduNepal	$750	$750	60 months
BatumiGeorgia	$750	$750	60 months
Siem ReapCambodia	$800	$800	56.3 months
DelhiIndia	$800	$800	56.3 months
DahabEgypt	$800	$800	56.3 months
Da NangVietnam	$850	$850	52.9 months
Phnom PenhCambodia	$850	$850	52.9 months
GoaIndia	$850	$850	52.9 months
Hoi AnVietnam	$850	$850	52.9 months
KilifiKenya	$850	$850	52.9 months
TiranaAlbania	$850	$850	52.9 months
Chiang MaiThailand	$900	$900	50 months
BangaloreIndia	$900	$900	50 months
PenangMalaysia	$900	$900	50 months
HanoiVietnam	$900	$900	50 months
CebuPhilippines	$900	$900	50 months
ZanzibarTanzania	$900	$900	50 months
SiargaoPhilippines	$900	$900	50 months
ColomboSri Lanka	$900	$900	50 months
JohorMalaysia	$900	$900	50 months
CuscoPeru	$900	$900	50 months
Koh PhanganThailand	$1,000	$1,000	45 months
Kuala LumpurMalaysia	$1,000	$1,000	45 months
ManilaPhilippines	$1,000	$1,000	45 months
Ho Chi Minh CityVietnam	$1,000	$1,000	45 months
AccraGhana	$1,000	$1,000	45 months
BanskoBulgaria	$1,000	$1,000	45 months
NairobiKenya	$1,000	$1,000	45 months
AntiguaGuatemala	$1,000	$1,000	45 months
MeridaMexico	$1,000	$1,000	45 months
BaliIndonesia	$1,100	$1,100	40.9 months
BangkokThailand	$1,100	$1,100	40.9 months
PhuketThailand	$1,100	$1,100	40.9 months
LagosNigeria	$1,100	$1,100	40.9 months
Santa MartaColombia	$1,100	$1,100	40.9 months
RoatánHonduras	$1,100	$1,100	40.9 months
MarrakechMorocco	$1,200	$1,200	37.5 months
OaxacaMexico	$1,200	$1,200	37.5 months
TbilisiGeorgia	$1,200	$1,200	37.5 months
SofiaBulgaria	$1,200	$1,200	37.5 months
AntalyaTurkey	$1,200	$1,200	37.5 months
BelgradeSerbia	$1,200	$1,200	37.5 months
KaşTurkey	$1,200	$1,200	37.5 months
CartagenaColombia	$1,300	$1,300	34.6 months
Buenos AiresArgentina	$1,300	$1,300	34.6 months
IstanbulTurkey	$1,300	$1,300	34.6 months
BucharestRomania	$1,300	$1,300	34.6 months
GuadalajaraMexico	$1,300	$1,300	34.6 months
LimaPeru	$1,300	$1,300	34.6 months
BogotaColombia	$1,300	$1,300	34.6 months
MedellinColombia	$1,400	$1,400	32.1 months
Cape TownSouth Africa	$1,400	$1,400	32.1 months
BudapestHungary	$1,400	$1,400	32.1 months
KrakowPoland	$1,400	$1,400	32.1 months
VilniusLithuania	$1,400	$1,400	32.1 months
RigaLatvia	$1,400	$1,400	32.1 months
Playa del CarmenMexico	$1,500	$1,500	30 months
Mexico CityMexico	$1,500	$1,500	30 months
WarsawPoland	$1,500	$1,500	30 months
MontevideoUruguay	$1,500	$1,500	30 months
TallinnEstonia	$1,500	$1,500	30 months
ValparaisoChile	$1,500	$1,500	30 months
TulumMexico	$1,600	$1,600	28.1 months
FlorianópolisBrazil	$1,600	$1,600	28.1 months
ThessalonikiGreece	$1,600	$1,600	28.1 months
PalermoItaly	$1,700	$1,700	26.5 months
TaipeiTaiwan	$1,800	$1,800	25 months
Las PalmasSpain	$1,800	$1,800	25 months
MalagaSpain	$1,800	$1,800	25 months
PortoPortugal	$1,800	$1,800	25 months
TenerifeSpain	$1,800	$1,800	25 months
EriceiraPortugal	$1,800	$1,800	25 months
AthensGreece	$1,800	$1,800	25 months
SplitCroatia	$1,800	$1,800	25 months
PragueCzech Republic	$1,800	$1,800	25 months
Rio de JaneiroBrazil	$1,800	$1,800	25 months
SantiagoChile	$1,800	$1,800	25 months
Madeira (Funchal)Portugal	$1,800	$1,800	25 months
Sao PauloBrazil	$1,800	$1,800	25 months
ShanghaiChina	$1,800	$1,800	25 months
OsakaJapan	$1,800	$1,800	25 months
ValenciaSpain	$1,900	$1,900	23.7 months
LisbonPortugal	$2,000	$2,000	22.5 months
SeoulSouth Korea	$2,000	$2,000	22.5 months
DubrovnikCroatia	$2,000	$2,000	22.5 months
MadridSpain	$2,100	$2,100	21.4 months
BarcelonaSpain	$2,200	$2,200	20.5 months
KomoroJapan	$2,200	$2,200	20.5 months
DubaiUAE	$2,500	$2,500	18 months
BerlinGermany	$2,500	$2,500	18 months
TorontoCanada	$2,600	$2,600	17.3 months
TokyoJapan	$2,800	$2,800	16.1 months
AmsterdamNetherlands	$2,800	$2,800	16.1 months
MelbourneAustralia	$2,800	$2,800	16.1 months
DublinIreland	$2,900	$2,900	15.5 months
SingaporeSingapore	$3,000	$3,000	15 months
ParisFrance	$3,000	$3,000	15 months
LondonUK	$3,200	$3,200	14.1 months
Tel AvivIsrael	$3,200	$3,200	14.1 months
San FranciscoUnited States	$3,500	$3,500	12.9 months

This is a cash-runway model with constant costs and income. It does not project investment returns, inflation or tax. “Costs covered” means the entered income covers modeled spending, not permanent financial independence.