Lifestyle Margin Call Simulator
Find the exact date your cash would run out if the next six months went badly—before it happens.
VIEW:
Rent/mortgage, groceries, debt, utilities you'd still owe in a bad month.
Checking, savings, money market. Not retirement or credit cards.
0% = steady paycheck you'd keep in a downturn. 100% = commission, freelance, bonus, or one client you can't lose.
1 = calm, sticks to the plan (0.20 σ). 5 = stress-shopping, checking balances at 3 AM (2.65 σ).
0 = your rules hold under pressure. 1 = they break the moment a drawdown hits.
More assumptions (optional)
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DAYS
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HOURS
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MINUTES
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SECONDS
The day your cash runs out
Calculating trajectory...
Cash if everything hits at once (ρ = 1)
If problems came one at a time (ρ = 0)
Safety margin
6-month shock window
Cash you'd need to stay safe Personal liquidation point
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Your shortfall Liquidity gap
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Months covered, normal times Calm runway
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Months covered in a bad stretch Shock runway
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Cost of adding one $100/mo bill Covenant cost
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Cost of everything hitting at once Correlation penalty ρ
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Investments you'd sell at a loss Forced sale
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What those grow to in 30 yrs Price of the margin call
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Extra cash stress habits require Behavioral premium
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Your stress-mode spending Stress-state σ
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Panic-checking cost per hour Attention autopsy
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30-yr wealth lost to stress habits Behavioral drag
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A what-if stress test, not financial advice. Assumes bills rise and shaky income falls at the same time for six months, then recover over three. Credit cards and loans don't count as cash: borrowing in a crunch makes the next one worse.