Job loss
Explore how a temporary loss of primary household income could affect available cash while regular expenses continue.
ShockProof · Household financial resilience
How Long Will My Savings Last?
Explore how long your savings could last under different financial scenarios.
Run your free assessmentNo sign-up needed · Financial figures stay in your browser
Illustrative cash-balance projection
Example household · Six-month loss of primary income · 12-month projection
How long could your savings last?
Savings runway is the period your available cash could cover your expenses. How long your savings last depends on available cash, household income, expenses and the financial scenario being explored.
Simple hypothetical example: A$15,000 in savings and A$5,000 in monthly expenses would cover approximately three months of expenses, if there were no other income or changes in costs.
Real household cash flows can be more complex. Ongoing income, repayments, contributions and one-off costs can all affect the projected balance. This simple example is separate from the fictional household shown in the chart above.
Explore different financial scenarios
ShockProof models four hypothetical shocks. Each changes a different part of household cash flow; the projections depend on the figures and assumptions entered.
Unexpected expenses
Model a one-off, unplanned cost and its effect on the household's projected cash balance.
Interest rate increases
Explore a hypothetical increase in loan repayments and how it could affect monthly cash flow.
Recession
Explore assumed changes to income, living costs and investment values during an economic downturn.
How ShockProof works
- Step 1
Enter your household financial figures
Use your income, regular expenses, available cash and repayments as the starting point.
- Step 2
Select a hypothetical financial shock
Choose job loss, unexpected expenses, an interest rate increase or recession, and adjust its assumptions.
- Step 3
Explore projected financial outcomes
See a simplified cash projection, approximate runway and potential shortfalls over a 12-month period.
Understanding emergency savings
Emergency savings are accessible cash set aside for unplanned expenses or interruptions to income. The period they cover varies between households because expenses, income sources and the size and duration of a financial shock differ.
A hypothetical projection describes what could happen under selected assumptions. It does not establish financial safety or guarantee future outcomes.
Explore more with ShockProof Pro
Pro adds detailed month-by-month cash projections, exact modelled runway, lowest cash and potential shortfall amounts, and comparisons across all four scenarios. It also includes personal resilience scores, hypothetical change modelling, 12–60 month projections and downloadable PDF reports.
The free assessment provides simplified 12-month projections and approximate runway; exact runway and the detailed Pro report require a Pro purchase.