What it does

Open Reports → Burn-down for a months-of-runway calculation if your income disappeared tomorrow.

Useful for:

• Emergency fund stress-test
• "Can I afford the sabbatical / career break?"
• Bridging period for a layoff or business pivot
• Pre-preservation-age FIRE bridge

How it works

liquid_balance = cash + shares + ETFs − rough 15% CGT haircut on unrealised gains
net_monthly_burn = monthly_expenses − after-tax passive income
months_runway = liquid_balance / net_monthly_burn

Liquid balance comes from your active assets (categories: cash, savings, shares, ETF, managed fund). Frank applies a conservative 15% CGT haircut on unrealised gains — assuming you'd liquidate at marginal rates with the 50% discount. Override the figure if you have carry-forward losses or a different tax position.

Monthly expenses come from the rolling 6-month average in your snapshots. Override directly if you'd cut spending in the runway scenario.

Passive income = monthly dividends + net rent + interest from your income sources, less a flat 30% tax assumption (no salary on top).

What-if scenarios

The page includes three pre-computed cards: cut spending 10% / 20% / 30%. Each shows the new runway and how many months you bought yourself.

The cut spending slider lets you model any cut from 0–50% with a debounced live recalc.

Outputs

• Liquid balance, net monthly burn, months runway, years runway
• Area chart of your balance falling over time
• "Infinite runway" state when passive income covers expenses (rare, but Frank handles it)

Information only

Doesn't factor in irregular bills (rates, insurance), super withdrawals (preserved before 60), or asset price moves during liquidation. Use it as a sense-check, not a plan.