Income drop crisis plan
Not every income hit is a full job loss. Hours get cut, a freelance pipeline goes quiet, gig work slows down. This tool builds an estimate of how long your savings will last and an action checklist around what is actually still coming in, not what used to.
Your current income covers your monthly expenses on its own.
Cushioned. your income alone already covers your expenses without touching your savings.
- •Your current income of $0 a month is still enough to cover your monthly expenses of $0 on its own, so your savings of $0 can stay untouched unless something changes.
Your current savings cover about 0.0 months of expenses. Growing that by about $0 would reach the common 6 month guideline.
See exactly what to set aside each month to get thereFirst 24 hours2 steps
Your income dropped from about $0 to $0 a month, roughly a 0 percent hit to what covers your expenses. Naming the exact number now makes every decision in this plan faster.
Write down every subscription, membership, and automatic payment due in the next 30 days. You cannot decide what to pause until you can see the full list in one place.
This week1 steps
Many employer health plans and retirement match programs require a minimum weekly or monthly hours threshold to stay eligible. It is worth a direct question before a coverage gap shows up as a surprise.
Ongoing2 steps
A variable or reduced income is easy to lose track of until a bill is due. A five minute weekly check keeps you ahead of the gap instead of discovering it all at once.
How long your savings will last shifts every time savings, expenses, or income change. Update your numbers here whenever something material happens rather than relying on the first estimate.
Tools to go deeper
A free account keeps your numbers ready across every calculator, no re entering them each time.
How this calculator works
- Step 1Share what changed
How you work, what you used to make, and what is coming in now.
- Step 2See how long your savings will last
How many months your savings cover the monthly shortfall, based on your real numbers.
- Step 3Get a plan, not a guess
A checklist built from your answers, not generated fresh each time by AI.
Frequently asked questions
How is this different from the job loss crisis plan?
The job loss plan is for a full layoff and includes state unemployment insurance numbers and filing steps. This plan is for a partial income drop, hours cut, a slow freelance stretch, or gig work slowing down, where some income is still coming in and unemployment insurance usually does not apply.
Why does this tool avoid using AI to write my plan?
A fresh AI answer every time has no way to guarantee the facts it states are correct, it is recalling them from training data with no live verification. This tool instead uses a fixed library of hand written guidance matched to your answers, so every step is the same real, checked content every time.
I am a freelancer or gig worker, does this apply to me?
Yes, this tool is built for exactly that, a slow month or a client that disappeared. Your plan includes steps specific to variable income, like revisiting quarterly estimated taxes and diversifying where your work comes from.
Will my plan and progress be saved?
If you are signed in, yes, your answers and any steps you check off are saved to your account so you can come back to the same plan later. Free to use either way, signing in only adds the ability to save and track it over time.
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Every number on this page is a planning estimate, for informational and educational purposes only, not professional advice.
Before you act on any major decisions, consult a qualified accountant, tax advisor, or financial advisor who knows your full picture.