Family finances stress test
A household budget can look healthy and still be fragile. This tool takes your normal monthly surplus, then removes the higher earner’s income to expose the monthly gap that opens up, and divides your emergency fund by that gap to get a runway in months. Add a medical shock on top and watch the runway shorten. Knowing the runway tells you how much buffer, and what insurance, you actually need.
Result
In a normal month the household runs a surplus of 7,000. If the higher earner loses their job, income falls to 12,000 and a monthly gap of 11,000 opens up; the emergency fund covers about 10.9 months. Add the medical shock and the runway shrinks to 8.6 months.
- Normal monthly surplus
- 7,000
- Monthly gap after job loss
- 11,000
- Emergency fund covers
- 10.9 months
- With medical shock
- 8.6 months
A scenario built from your inputs, not a prediction or advice.
Assumptions & limits
Check your core insurance cover and a realistic re-employment window first; the runway assumes the fund is liquid and untouched.
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