MoneyAtlas
For advisersAdviser login
Cash reserve

If income stopped today, how long would your cash last?

Your runway in months, and the gap to a proper reserve — before any talk of investing or insurance. MoneySense suggests at least 3–6 months of expenses; this shows where you stand.

Your details

Target reserve

MoneySense suggests at least 3–6 months of expenses; go higher with dependants, variable income or commission-based pay. Count only liquid cash — not investments, insurance surrender values or locked deposits.

Your cash runway today4.8 months

How long your savings cover S$4,200/mo if income stops

3-month minimumS$12,600
6-month comfortS$25,200
Your 6-month targetS$25,200
S$5,200 short of your 6-month reserveBuild this buffer before committing to long lock-ins — a plan you must surrender early usually loses money. Parking the reserve in a high-yield savings account keeps it liquid while it earns.

A simple runway check from your own inputs and the MoneySense reserve guideline — not advice. It doesn’t stress-test higher expenses, variable income or dependant buffers; the full adviser tool does. Confirm what counts as reachable cash before relying on it.

Reserve sorted? That changes the whole plan

Free and no obligation — an adviser can help you:

  • Stress-test the runway properly — variable income, dependants, expenses that rise when income stops
  • Park the reserve where it stays liquid but still earns — savings accounts, FDs and SSBs price differently
  • Sequence what comes after the buffer: protection first, then goals, so nothing gets surrendered early
Speak to an adviser →

Are you an adviser? This is the simple public version. Join AdvisorOS for the advanced calculators, AI-assisted client reviews and the full workspace behind these tools.