Emergency-fund runway
The single number that predicts most financial-stress episodes is emergency-fund runway. Three months of essential expenses in accessible cash is the classic first target; six months is the stretch. This tool computes your current runway, the gap to each target, and returns a top-three next-moves list calibrated to where you actually are.
Who this is for
Adults who've never sat down and worked out their actual runway, or ran the numbers years ago and want to re-check after a life change (kid, house, career shift).
How to use the result
Use essential expenses only — rent / mortgage, utilities, insurance, food, transport, minimum debt payments. Not eating-out, subscriptions you'd cut, or holidays. Liquid savings means accessible in < 48 hours (checking, savings, high-yield). Not retirement accounts or property equity.
What this tool can't tell you
It can't advise on investment allocation, debt-vs-savings order-of-operations for your specific situation, or what to do with runway once you have it — those are personal advisor questions.