Sam · What-If StrategistWhat if I lost my income for 6 months?
If your income stopped tomorrow, how long could you hold on? See whether your savings would cover a real gap.
Free to start · iOS & Android
How prepared are you, really?
A job loss or illness can pause your income with little warning. Your runway is how many months your savings could cover essential costs. This checks that runway against the gap you're worried about, so you know whether you're protected or exposed.
Questions people ask
How many months of expenses should I have saved?
A common guideline is three to six months of essential costs, more if your income is variable or hard to replace. The right number depends on your situation.
What counts as essential expenses?
Housing, food, utilities, insurance, minimum debt payments and transport — the things you can't easily pause. Discretionary spending can usually be cut in a real emergency.
What if I have a shortfall?
Spotting it early lets you build savings, trim fixed costs or line up backup income before you need it. This tool highlights the gap; it doesn't recommend specific products.
Related what-ifs
See it on your real money
Track your net worth, then ask Sam any “what if.” Free to start, on iOS and Android.
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