Know your buffer
Put a number on your breathing room. Compare your current spending with an income shock, then see how a spending cut changes the answer.
Stress test
See how long cash lasts if income drops and you trim flexible spending.
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Your cash horizon
Start with two numbers.
Enter available cash and essential monthly spending to see your baseline and a stress test. Add income and flexible spending to sharpen the picture.
Use money you can reach without selling investments or paying a penalty. Leave out balances already set aside for near-term bills if those bills appear in your monthly spending.
Once you know your runway, compare a savings target with our emergency fund calculator. For a bank-specific view, add your institutions to Bank Watch.