Anyone weighing a layoff risk, a career change, a sabbatical, or starting something.
How long could you actually last
If the income stopped tomorrow, how many months do I have?
Not the rule-of-thumb answer. The one computed from your actual obligations, on their actual dates.
01
Obligations stay, income goes to zero
The scenario removes scheduled income entirely and leaves every contractual and metered payment exactly where it was. What comes back is the real number, not savings divided by a guess at monthly spend.
02
Discretionary spending is still simulated, not zeroed
People do not stop buying groceries when they lose a job. Modeling a heroic austerity that will not happen produces a runway figure you cannot rely on.
03
The date matters more than the month count
'About four months' is a number you forget. 'You cross your floor on March 12th' is a date you can plan against.