How long will my savings last if work goes quiet?
Work goes quiet. The question is how long you can last. Put in your savings, what you spend each month and what still comes in, and see the months.
How long will my savings last if work goes quiet?
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Spend minus what still comes in
The monthly gap is what you actually draw from savings. A part-time job or one steady client can stretch it a long way.
A rule of thumb
Three months of costs is a common target for people with irregular income. Six is comfortable. The number depends on how fast you could get work again.
Include the tax bill
A 31 January bill is a month where spending is higher. Set that money aside separately, not in this pot.
Keep the number for every month
SideTill is the simple record of your side hustle: log the job, send the invoice, record the money when it comes in, and see whether the month actually made you money. It also shows your best month, so you can tell a bad month from a bad habit.
Get SideTill
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Questions
Does it include my business costs?
Yes, if you put them in the spend figure. Use everything you have to pay each month.
What if my income is steady?
Then the answer is that savings last for ever. Try a month with no income to see the worst case.
Can SideTill forecast this?
No. SideTill shows what you made and what you are owed. This is a plain sum.