Risk Management & Security
Freelancer Cash Runway & Emergency Fund Planner
Traditional advice recommends 3 months of savings for employees. For solopreneurs with irregular income, you need a customized cash cushion. Calculate your exact runway and safe buffer.
1. Current Liquid Reserves
$
Only include accessible cash; exclude locked retirement accounts.
$
Money already earmarked for upcoming quarterly IRS / state taxes.
2. Monthly Burn Rates
$
Strict necessities only: Rent/mortgage, groceries, health insurance, essential utilities.
$
Normal lifestyle including dining out, entertainment, subscriptions, and travel.
$
Software tools (Adobe, Figma, hosting, domains, accounting).
Survival Cash Runway
6.1 Months
If you cut discretionary spending to zero
| Usable Liquid Cash (Excluding Taxes) | $25,000 |
| Standard Comfort Runway | 4.5 Months |
| Recommended 6-Month Emergency Cushion | $24,600 |
| Financial Safety Rating | Solid Buffer (6+ Months) |
Yield Optimizer
Earn 4.5%+ APY
Don't Leave Emergency Cash in 0.01% Accounts
A \$30,000 cash cushion earns \$1,350+ every year in a high-yield FDIC insured savings account without taking any stock market risk.
Compare High-Yield Savings Accounts
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