Protect · Calculator 01

How long would your savings last?

Model an income drop, spending changes and an unexpected cost to see when accessible cash may run short.

1 Enter your figures2 Review assumptions3 Explore the result

Your figures

1. Set the scope

Use the same scope for every figure.

Financial scope

2. Cash and monthly cash flowAccessible cashCash available on the scenario start date

Cash to keep untouched

Reliable monthly net incomeEssential monthly spendingFlexible monthly spending

Flexible spending retained

3. Test an unexpected expense

Leave at zero to exclude this scenario.

Unexpected expense

Expense timing

Your entries remain in this tab and are cleared when the tab closes.

Selected spending plan

7 monthsThe first modelled shortfall occurs during month 8.

Usable opening cash£10,000

Monthly cash flow-£1,400deficit

Essential-only runway1 year

MonthsSelected planEssential only

Assumptions used

Cash flows are nominal and after tax.
Monthly amounts are spread evenly; exact pay and bill dates are not modelled.
Inflation and cash interest are omitted; these become more important in longer scenarios.
Protected cash remains unavailable throughout.

This is a temporary liquidity estimate based on the figures entered. If you are already missing essential payments, seek free independent debt support through MoneyHelper.