How long could I get by on what I’ve saved?

Your real runway in months, a cushion target that fits your life, and a first milestone to aim for.


When to use
When ‘three to six months of expenses’ sounds like advice written for someone else.
Time
10 min
In the pack
The money check-up Step 3 of 6

The prompt

If my income stopped tomorrow, how long would I last, and how big an emergency cushion makes sense for me? Ask me up to six questions, one at a time, about my essential monthly costs, how steady my income is, who depends on me, what I could cut quickly, and what I already have set aside. Rough figures are fine. Then tell me my runway in months as it stands, a target range for my cushion with the reasoning, and a first milestone I could reach within three months. Say what you assumed and what would push the target higher or lower. Don’t recommend accounts or products for holding it.

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