How long cash can cover the plan if the monthly gap opens up.
Cash divided by essentials, debt minimums, and irregular costs.
After protecting reserve and essentials until next paycheck.
Reliable income minus essentials, debt, and irregular set-asides.
Tracked separately. Not counted in baseline safe spend.
This week
$454 can stay flexible
The plan protects $1,146 due before the next paycheck and keeps the reserve floor at $4,000.
- Keep the baseline plan: it leaves $361 after committed monthly costs.
- Reserve is funded at the current floor.
- $2,500 goal is about 6.9 months away at the current baseline pace.
6-month cash path
Projected cash if this monthly position continues. The reserve floor stays protected at $4,000.
Month 1$30,361
$26,361 above reserve
Month 2$30,722
$26,722 above reserve
Month 3$31,083
$27,083 above reserve
Month 4$31,444
$27,444 above reserve
Month 5$31,805
$27,805 above reserve
Month 6$32,166
$28,166 above reserve
Scenario comparison
Baseline keeps variable income out. Upside includes it. Stress trims income and raises essentials.
Reliable income only, with debt minimums and set-asides protected.
RunwayStable
Weekly$83
Variable income included as extra cashflow for comparison.
RunwayStable
Weekly$83
Reliable income reduced 20% and essentials raised 10%.
Runway44.5 mo
Weekly$0
Bills due soon
Anything due before the next paycheck gets protected first.
Debts
Minimums stay current; balances and APRs keep paydown visible.
Irregular buckets
Named set-asides for costs that do not land every month.
Bank CSV import
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What changed?
Describe a change and Runway estimates the monthly impact.
Understood ascar payment ends: 410 monthly
Monthly change: $410. Cash change: $0. Confidence: clear.
How the math works
Every part of the plan stays visible.
Reliable income$3,454
Committed monthly costs$3,503
Variable upside$0
Upside monthly position$361
Planning monthly position$361
Essentials-only position$404
Life event impact$410
Monthly gap$0
Next actions
Plain-language checks to keep the plan moving.
- Keep the baseline plan: it leaves $361 after committed monthly costs.
- Reserve is funded at the current floor.
- $2,500 goal is about 6.9 months away at the current baseline pace.
- Six-month forecast stays above the reserve floor.
Next paycheck
What to protect before anything feels spendable.
Groceries in 3 days$210
Fuel in 4 days$65
Rent in 5 days$725
Utilities in 7 days$146
Restore minimum reserve$0
Safe from this paycheck$454
Weekly plan
Plain text summary for notes, texts, or a quick check-in.
Runway weekly plan Transition runway: Stable Emergency runway: 8.6 months Safe weekly spend: $83 Planning monthly position: $361 Variable income upside: $0 Committed monthly costs: $3,503 This paycheck protects: Groceries: $210 due in 3 days Fuel: $65 due in 4 days Rent: $725 due in 5 days Utilities: $146 due in 7 days Reserve top-up: $0 Safe from this paycheck: $454 Reserve status: Reserve holds for 6 months Next actions: - Keep the baseline plan: it leaves $361 after committed monthly costs. - Reserve is funded at the current floor. - $2,500 goal is about 6.9 months away at the current baseline pace. - Six-month forecast stays above the reserve floor. Planning software only. No transfers. No financial advice.