See how long your savings survive five crises at once
Layoffs announced? Bills piling up? Get a clear, honest answer in under 30 seconds — no signup, no math.
How Each Crisis Is Calculated
Every number is transparent. You can verify the math yourself.
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Job Loss
Runway = Job Search + (Savings - Monthly Spend × Job Search) ÷ (Monthly Spend - Monthly Income). If savings run out during job search, Runway = Savings ÷ Monthly Spend.
Worked example with your numbers: 4 months
Medical Shock
Runway = (Savings - Medical Shock) ÷ (Monthly Spend - Monthly Income)
Worked example with your numbers: ∞ months
Housing Spike
Runway = Savings ÷ (Monthly Spend × (1 + Housing Spike%) - Monthly Income)
Worked example with your numbers: ∞ months
Inflation Erosion
Month-by-month: each month, savings lose (Inflation Rate ÷ 12) purchasing power while burn stays constant. Runway = first month where inflation-adjusted savings cannot cover adjusted burn.
Worked example with your numbers: ∞ months
Income Reduction
Runway = Savings ÷ (Monthly Spend - Monthly Income × (1 - Income Cut%))
Worked example with your numbers: 10 months
Fragility Score
Score = min(100, round(Shortest Runway Across All Scenarios ÷ 12 × 100)). If income exceeds spend in all scenarios, Score = 100.
Worked example with your numbers: 31/100
What to Do Next
Contextual actions based on your fragility score.
Vulnerable: 3-6 months runway
- 1 Audit which scenario is your weakest link.
- 2 Increase savings rate by 5% this month.
- 3 Research unemployment benefits in your region.
Add a 3-month calendar reminder to check your runway after life events.