How much cushion you actually need.

The buffer between a bad month and a bad year. Four numbers, one target, and the date you hit it.
SAVES IN YOUR BROWSER · NOTHING LEAVES THIS DEVICE
1How steady is your income?
2Your numbers
Rent, food, utilities, transport, minimum debt payments — what you’d still pay with no income. Not holidays. Find it in the Budget optimizer.
Cash you could actually reach this week — not investments, not the pension.
Whatever you can spare consistently. Small and steady beats heroic and abandoned.
Advanced —
Sensible defaults are set. Open only if you want to argue with them. Open ▾
A high-yield savings account is the right home for this money — instantly reachable, and it keeps some pace with inflation.
0%
OF TARGET
TARGET STILL NEEDED FULLY FUNDED
Getting thereBLUE LINE = YOUR TARGET
What each level buys you
Every month of cushion turns a crisis into an inconvenience.
WHAT THIS MEANS
✓ SAVED TO YOUR PLAN