See how long your independent income can support your work and life
The ultimate runway calculator for freelancers, indie hackers, and solo founders. Assess risk, simulate scenarios, and plan your freedom.
Why standard calculators fall short
Average income hides downside risk
One bad month can matter more than one great month
Personal and business cash are more connected than you think
What you get
Runway Scenarios
Base, downside, and upside runway projections based on your actual income patterns
Risk Assessment
Instant risk status — Stable, Caution, or Fragile — based on your financial profile
Full-Time Readiness Score
A 0-100 score telling you how safe it is to go fully independent right now
Action Recommendations
Concrete next steps based on your biggest financial risks and gaps
Benchmark Comparison
See how your runway compares to other freelancers and solo founders, with percentile ranking
History Tracking
Save every calculation and track how your runway and score improve over time
PDF Export
Download a professional report to share with a partner, advisor, or keep for your records
Shareable Results
Generate an anonymous share card image with your score and metrics — no personal data exposed
Why trust this tool
Your financial data is sensitive. Here's why it's safe here.
No Backend
All calculations run entirely in your browser. Zero data ever leaves your device.
No Accounts
No signup, no email, no tracking cookies. Just open and calculate.
Open Methodology
Every formula is documented. See exactly how your score is calculated. Read more →
Verify Yourself
Open DevTools → Network tab. You’ll see zero outgoing data requests.
Built for independent earners
Frequently asked questions
Everything you need to know about the Indie Runway.
Everything stays in your browser’s local storage. There is no server, no database, and no network requests that transmit your data. You can verify this by opening your browser’s DevTools (Network tab) while using the tool.
Your saved inputs and calculation history will be removed. If you’ve purchased a Pro license, you’ll need to re-enter your license key to restore paid features. We recommend saving your license key somewhere safe.
The calculator uses conservative financial modeling with 3 scenarios (base, downside, upside). It factors in taxes, variable costs, income concentration risk, and seasonality. However, it’s an estimate — real outcomes depend on factors no model can fully predict. Use it as a planning tool, not financial advice.
Pro ($9, one-time) unlocks: 4-dimension score breakdown, risk driver analysis, What-If scenario sliders, full 3-line projection chart, all action recommendations, benchmark comparison against other freelancers, history tracking across calculations, PDF report export, and advanced input fields (risk tolerance, growth rate, client count, variable costs).
Yes. Your license key works on up to 3 devices. Click “Upgrade” in the header, then “Restore License” on any new device to enter your existing key. Your input data won’t transfer between devices (it’s stored locally), but you can re-enter it in under 2 minutes.
No. It’s a one-time $9 payment. You get a license key that unlocks all Pro features forever — no recurring charges, no expiration.
This tool is designed for freelancers, consultants, indie hackers, and solo founders who earn variable income. It works for both service-based (billing clients) and product-based (SaaS, digital products) income models. It’s not designed for salaried employees or large teams.
The 0–100 score is a weighted composite of four dimensions: Runway Coverage (35%), Income Stability (25%), Income Diversification (20%), and Cash Buffer Adequacy (20%). Each dimension has its own formula explained on our Methodology page.
Start with the free calculator
No signup required. See your runway in under 2 minutes.
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