Mortgage Reserve Calculator
✓ 100% Free — No Credit Card — No Subscription

Know Your Survival Timeline
Before You Sign the Dotted Line.

ReserveRunwayCS calculates exactly how many months your post-closing liquid assets can sustain your new housing payment and lifestyle — so you never become house poor.

5 powerful tools. Lender-ready PDF. Zero cost. Built for homebuyers who want to close with confidence.

Calculate Your Runway → See All Features
14.2
Months Runway
$3,840
Monthly Burn Rate
$54,500
Liquid Reserves
✓
Lender Ready
5 Core Tools

Everything you need to prove
you can survive the loan.

🔥
Burn Rate Calculator
Input your projected new monthly mortgage payment (PITI — Principal, Interest, Taxes, Insurance) plus your average monthly cost of living. See your true monthly burn rate instantly.
💧
Liquid Asset Snapshot
Enter your post-close cash across Savings, Checking, and a "Haircut" value for 401k/Brokerage accounts. See what's truly accessible — not just what's on paper.
⏱️
The Runway Countdown
A visual gauge that tells you exactly how many months you have before hitting $0.00 if your income stopped today. Color-coded: green (safe), amber (caution), red (danger).
⚡
Shock-Test Scenarios
"What If" toggles — HVAC failure, car breakdown, medical bill — instantly deduct a $5,000 emergency expense from your runway to show the real impact on your safety net.
📄
Lender Ready Summary
A downloadable 1-page PDF summary you can take to your loan officer. Proves you aren't house poor and shows required reserves for FHA, Conventional, and VA loan types.
Step-Progressive Access

See your runway first.
Unlock everything with a free account.

Zero friction to get started. The hook is instant. The full toolkit unlocks in seconds.

1
Enter Your Numbers
Input your burn rate and liquid assets. See your Runway result immediately — no account required.
2
Create Free Account
Name, email, and optional purchase date. Unlocks Shock-Test Scenarios and the Lender Ready PDF.
3
Close With Confidence
Download your 1-page PDF summary and walk into your loan officer meeting knowing your numbers cold.
Get Started Free

Your runway is
waiting to be calculated.

Create your account in seconds. No credit card. No trial. No catch. ReserveRunwayCS is free forever.

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Also Free
Your runway looks great — but are you qualified?

ReserveRunwayCS tells you if you can survive the loan. DebtToIncomeCS tells you if you qualify for it. Use both to walk into your lender meeting fully prepared.

Check Your DTI Ratio with DebtToIncomeCS →
Stop guessing about your reserves

Your survival timeline is
one calculation away.

Join homebuyers who use ReserveRunwayCS to prove they have the reserves to close — and the runway to stay afloat.

Calculate My Runway →
Free forever · No credit card · Takes 60 seconds
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