Enter your essential expenses to find your survival number — what it actually costs to keep your life running. Then see your discretionary space and how much you spend above your floor.
1
Your essential expenses
Include only genuine non-negotiables — what you must pay to keep a roof over your head, food on the table, and core commitments met. Leave anything non-essential out.
Rent / mortgage
$
Electricity
$
Gas / heating
$
Water
$
Internet
$
Mobile / phone
Basic plan only
$
Groceries
Realistic minimum to eat well
$
Essential transport
Fuel, public transport, or car loan minimum
$
Minimum debt repayments
Required minimums only — not extra payments
$
Childcare
If applicable
$
Essential medications
$
Other non-negotiable
Any essential obligation not listed above
$
Your survival number
$0
2
Your monthly income
Your real take-home after tax. Used to calculate how much space you have above your essentials.
$
↑ Pre-filled from your Gap Calculator
Use the average of your last 3 months — or your lowest recent month to be conservative.
3
Your actual monthly spending — optional
Your total from Day 1. Used to show how much you spend above your survival floor — the zone where all your choices live.
$
↑ Pre-filled from your Spending Audit
Include everything — housing, food, transport, subscriptions, debt repayments, every category.
Your survival number has been saved. Other tools in the program will use this number automatically.
From the lesson
"Your survival budget is not your life. It's your floor."
Knowing exactly where the floor is means you're never stumbling around in the dark, anxious it might be lower than it is. Write your survival number somewhere prominent — this is a foundational figure you'll return to throughout the program.