The household
Two adults, one child and one income
One adult earns the household income. Their partner and six-year-old child rely on it. The people and ratios are fictional, so the example does not assume any country’s cost of living.
●Earner
one income→◆Partner
depends on income★Child
age 6
Monthly take-home1.8× outgo
Essential bills and debt payments1 month
Accessible money now0.6 month
People relying on one income3
1problem to deal with first
2things to check next
3important answers still missing
DO THIS FIRST
The household has about 18 days before accessible money runs out.
Accessible money equal to 0.6 month of normal outgo gives roughly 18 days of runway. Three people rely on the same income.
Available now0.6 month
÷Normal outgo1 month
=Time covered18 days
A sensible first jobAdd another 0.4 month of outgo to reach one full month.
If the household can add 0.1 month of outgo each month, the first gap would take about four months. That is a rough timeline, not a promise.
18 days → 30 days What would your number be?Use your own bills and accessible cash. The first three findings are free, and rough numbers are enough to start.
Work it out →CHECK NEXT
The healthcare-cost scenario could still leave a gap equal to 4.5 months of normal outgo.
The household reports public, employer or private protection expected to absorb part of the cost. It still needs to verify eligibility, cost-sharing, limits, exclusions, provider access and whether job-linked protection ends with employment.
Next questionCheck what the reported protection would really pay.
Do this separately for all three household members, using the terms that apply in their country.
CHECK NEXT
The family-support calculation is 105 months of normal outgo higher than usable resources listed.
The scenario adds debts, immediate costs and ten years of dependant support, then subtracts accessible assets, survivor resources and reported death benefits.
Next questionCheck the benefit amount, end date, beneficiaries and survivor income.
This is a planning gap to investigate—not a recommendation to buy a particular policy or amount.
What we would not pretend to know
Three unanswered questions can change this result.
- Would the partner have income if the earner died or could not work?
- Does public or employer protection continue after a move or job loss?
- Are the reported benefits usable after local eligibility rules, limits and exclusions?
What the $25 Pro view adds
The warning stays free. Pro helps this household keep working on the whole plan.
The free check above is the real result—not a teaser. Pro adds the workspace a household can use after deciding to keep MoneyMap.
01 · TRY THE SHOCKWhat if no income arrived for three months?
- Bills to cover
- 3 months
- Cash available
- 0.6 month
- Still needed
- 2.4 months
The comparison uses the same bills and savings shown above. It does not guess the chance of income loss.02 · KEEP THE EVIDENCETurn “we have protection” into facts the household can check.
Keep benefit limits, cost-sharing, exclusions, job-linked expiry, beneficiaries and the next review date beside the finding they can change.
03 · SEE THE CHANGEKeep the before-and-after result.
18 days→30 days
When the household adds another 0.4 month of outgo, the next check keeps the old result and shows the runway gained.
Your household will be different
Choose your country, then use your own people and numbers.
See your first three findings free. Start with a country and an email code—no password, card or commitment.