calculate_runway

ai.senaro/personal-finance · Verify this server

Calculation, not advice. Verify with a professional before acting. Deterministic cash-runway calculator. Given your liquid savings, monthly essential expenses, optional ongoing inflows (partner income, side income, severance paid as a monthly stream, unemployment benefits), and an optional expense-inflation rate, computes how many months the fund lasts before it hits zero, plus a month-by-month drawdown schedule. Single scenario per call: to compare 'status quo' vs 'cutbacks' vs 'cutbacks + unemployment', call once per scenario with the matching expenses and inflows. When inflows meet or exceed expenses (and expenses are not inflating), the fund does not draw down and a self-describing does-not-deplete outcome is returned instead of a month. Yield on the fund is treated as 0% in v1 (conservative). All assumptions cite their source. HEAVY tool: use output='summary' (default) for the headline or output='inline' for the full schedule. output='capture' writes the full payload to a file on this server's local disk for the chart-render pipeline; available on the local stdio transport only, and rejected with a structured error on the hosted HTTP transport.