See how many days your current savings would cover your survival expenses, and total up what your Week 1 cuts free up — monthly and annually.
1
Your current savings
What you have set aside right now in bank accounts, cash, or easily accessible savings.
$
Include checking, savings accounts, and cash on hand. Do not include investments or retirement funds — this is your accessible buffer.
2
Your survival budget
The bare minimum you need each month to cover essentials. If you used the Survival Budget Builder, this will be pre-filled automatically.
$
↑ Pre-filled from your Survival Budget Builder
Your essential expenses total — what it costs to keep your life running at minimum.
3
Your Week 1 savings from cuts
Add up what you've freed up this week — subscriptions cancelled, food changes committed to, bills renegotiated, and any one-off wins like selling unused items.
Subscriptions cancelled
Monthly total of all subscriptions you've stopped
$
Food changes
Estimated monthly saving from eating out less, packing lunch, etc.
$
Bills renegotiated
Monthly reduction from calls made or plans changed
$
One-off wins
Selling unused items, returns, or other one-time money
$
Total monthly savings from cuts
$0
Your savings would cover
0
days of survival expenses
Week 1 impact
What your cuts free up
Weekly (one-off ÷ 4 + monthly cuts ÷ 4.33)
Monthly total from cuts
Annualised (× 12)
Your numbers have been saved for reference within the program.
From the lesson
"This money needs a job."
If you haven't already, open a separate savings account — ideally at a different bank where you don't see it daily — and transfer your freed-up money there. Money without a destination gets absorbed back into daily spending within weeks.