Austerity · household cash-flow defense

Protect your cash flow. Preserve your choices.

You cannot control every change in prices, income, or family needs. You can know your burn rate, protect liquidity, and prepare a realistic disruption plan—without treating deprivation as a goal.

Start with three numbers—not another article to finish.

Use the calculator now. Then enter your email to download the complete seven-number Decision Dashboard.

Know core costs

Keep cash accessible

Plan the response

Your first three numbers

How much room do you have?

A quick view of core-cost margin and cash runway. No bank connection.

Your amounts stay in this browser. We do not store or send them.

One practical defense

Know what can pause—and what cannot.

Know your burn rate, protect liquidity, and prepare a realistic disruption plan—without treating deprivation as a goal.

List normal core spending and a temporary disruption version. Keep housing, essential care, insurance, and minimum payments visible. Planned expenses are not emergencies; set them apart from the reserve you count as runway.

Read the burn-rate preview →

Free workbook · no bank connection

Get the complete Household CFO dashboard

Seven connected numbers, a liquidity map, retirement stress test, decision queue, family file, and annual review. One practical Excel workbook.