Interactive concept 04 · Household resilience
Income Shock Studio
Stress-test your household's cash runway when work income falls. Change the assumptions to understand how expenses, savings and hypothetical private insurance might interact.
Experimental model — not an entitlement calculator. Insurance replacement is a hypothetical amount entered by you, not an insurer quote. No UIF, RAF, COIDA, SASSA or policy benefit is assumed. Gross income and expenses are not tax-adjusted. Results do not constitute financial advice.
Projection summary
Monthly essential spendingAssumed fixed
Lowest projected savingsCan fall below zero
First month below zeroWithin scenario duration
Total unfunded shortfallAfter applying starting savings
Projected closing savings by month
Positive reservesNegative balance / funding need
Month 1
What changes the outcome?
Using the same assumptions, compare the final cash gap with no insurance, the selected insurance scenario and a shorter one-month waiting period.
Month-by-month ledger
| Month | Earned income | Hypothetical cover | Spending | Closing reserve |
|---|