Free tool
Safe Days calculator
Separate what your reserve covers on its own from the trajectory projected with your income, expenses and loans over a fixed 36-month horizon.
Calculation results
Nothing is saved or transferred. The calculation runs locally in your browser.
Calculation results
Reserve coverage
Reserve divided by monthly commitments. Future income is ignored.
Projected cash trajectory
Deterministic projection including income, expenses and loan pressure over 36 months.
The projected protection duration determines this state.
- Monthly margin
- €250.00
- Monthly commitments
- €2,950.00
This is an estimate for decision support, not financial advice, banking advice, tax advice, or a guarantee of future outcomes.
Build the complete trajectory.
Nothing is saved or transferred. You will enter these amounts again in the authenticated flow.
Method for this estimate
Two separate measures: coverage without income divides the reserve by daily commitments; the projection always includes income minus commitments. Each month has 30 days and flows are spread uniformly from day 1. Coverage is rounded to the nearest day; depletion is the first whole day when the reserve reaches zero. The balance at the horizon uses integer cents, truncating the cumulative flow to cents. No display cap substitutes for a result.
Entered expenses and loan payments are included without double counting. Actual salary and payment dates, omitted variable expenses, one-off events, interest and new commitments are excluded. This does not forecast an overdraft on a specific account. The full product uses a deterministic projection with your scheduled events; this public approximation does not replace that reading.
Fictional example: €2,400 reserve and €2,950 commitments give about 24 days of no-income coverage. At €2,850 income, the €100 deficit depletes the reserve on day 720. At €2,950 or €3,200, no depletion is observed over 720 days under these assumptions.