Two minutes · No login · Numbers stay on your device
If your paycheque stopped today,
how long could your life keep running?
Most professionals carry a quiet, unnamed scarcity around money. Not because they're broke, but because they've never actually done the math. This is a small, honest calculator that gives you your real number, then shows you the levers you already control.
Tell me about your numbers
First, how old are you?
This shapes the medical buffer we'll set aside. No judgment, no flags.
How many people depend on your income?
Partner, kids, parents: anyone whose life would change if your paycheque paused.
What can you reach within a week?
Add what you have. Skip what you don't; zero is fine for any row. These are assets in your name.
What's harder to reach, but still yours?
Assets that take time or carry a penalty to access. Rough estimates are fine. We apply a 20% haircut automatically if you choose to liquidate any of this.
Can anyone in your household pitch in?
A working partner, a parent with savings, a sibling who could help. If things got hard, is there any household asset that could be pooled? This is about what's actually available, not just what's in your name.
What's the realistic amount that could be pooled in a real emergency, liquid and accessible?
This gets added to your liquid total. It's counted as money available to the household, not your personal emergency fund.
What leaves every month, no matter what?
Enter each obligation separately. Skip rows that don't apply; zero is fine. Convert annual payments (insurance, fees) to a monthly equivalent.
Loans & EMIs
Household & commitments
Tax obligations (monthly outflow)
Capital gains tax when liquidating investments (MFs, stocks, property) is approximated by the 20% haircut already applied to illiquid assets in the lever scenarios.
And what flexes month to month?
Eating out, travel, groceries, gifts, the small stuff. A rough average is fine. Be honest, not aspirational.
Numbers never leave your device until you choose to share them. Inflation assumed 6% p.a., return on liquid corpus 8% p.a. Both editable later.
Your number
Your runway
of financial runway if your income paused today.
The next step
Unlock your personalised
Scarcity-to-Abundance Action Plan.
The math is only the first half. The other half is the small behavioral shifts that turn a 6-month runway into 18. Without earning more. See exactly which levers move your number the most, on the live dashboard below.
Agency Dashboard locked
Unlock above to see how small behavioural shifts extend your runway.Agency dashboard · live
Small shifts. Real months.
Toggle the levers below. Watch your runway change. These aren't projections. They're the same math, with your behavior as the variable.
Numbers shift instantly. The point isn't the dashboard — it's that you already have the dials.
Want help turning this into a real plan — not just a screen?
Book a free 15-minute conversation →Or email hello@clearhead.in with your number and I'll reply within a working day.
Your answers stay on this page. Nothing is sent unless you choose to unlock the dashboard with your email.
How it's calculated: your monthly expenses divided against your available savings/income gives a runway in months — a straightforward math estimate, not financial advice.