—
—
Runway — savings lasts
—
if you quit today
Crossover — business covers you
—
revenue clears the replacement line
Replacement number
—
salary + costs the business must clear
The race, over 36 months
Business revenue climbing toward the replacement line, while savings drains down.
Business revenue
Replacement line
Savings balance
Four ways it could go
Same savings, salary, starting revenue, and costs — only the growth rate changes, because the fill rate is what you're really betting on. Click one to draw it on the chart.
| Scenario | Growth | Business covers you | Savings runs out | Read |
|---|
Save my scenario
Downloads your current numbers and the full 36-month projection as a small JSON file. Drop it back into the chat to make these figures canonical.
This tool computes a month-by-month schedule exactly as the model defines it:
REV(n) = R0 × (1 + g)^(n−1), SHORTFALL(n) = (SAL + C) − REV(n),
SAVINGS(n) = SAVINGS(n−1) − SHORTFALL(n). Runway is the first month savings hits zero;
crossover is the first month revenue clears the replacement line. It runs entirely on your machine — no network, no tracking, no storage.
It is a planning instrument, not financial advice.