Tool

US Kill Line Calculator

A first-pass resilience simulator: enter your inputs and run stress tests. We show an explainable breakdown you can share.

This MVP uses a simplified, explainable model. Next milestone will anchor thresholds to public datasets (ALICE / Living Wage / BLS / FRED).

Inputs

ZIP / City (optional)

Adults

Children

Annual income (USD)

Liquid assets (USD)

Monthly fixed costs (USD)

Monthly debt payments (USD)

Insurance plan

Deductible (USD)

Stress test scenario

Unemployment months

Medical bill (USD)

Rent increase (%)

Rent shock months

Result

Zone

Red zone

Runway (days)

Resilience (HP)36%

A simple, explainable proxy for resilience. Replace with data-backed thresholds in the next milestone.

Distance to the line-$27,040

Below the line (buffer shortfall)

Estimated buffer needed

$42,040

Monthly essential outflow

$4,800

Breakdown

Unemployment$9,200

Medical out-of-pocket$23,000

Rent shock$5,040

Base buffer (1 month)$4,800

Top risk driver

Medical ($23,000)

Recommended next actions

Reduce burn rate (fast wins)

Cut fixed costs first. Bring monthly essential outflow down before optimizing anything else.

Review debt options

If debt payments dominate, explore consolidation or settlement pathways and understand trade-offs.

Insurance shock check

Deductible and out-of-pocket limits matter. Validate your worst-case exposure.

US Kill Line is an informational metric. This is not financial, legal, medical, or investment advice.

Macro Snapshot

Macro context for your calculation

Live macro signals that often drive cost-of-living and cash-flow pressure. Use as context (not advice).

Updated: 2026-01-05

Open dashboard

Unemployment

Source

4.6%

+0.2 pp

Policy rate

Source

3.72%

-0.16 pp

Mortgage 30Y

Source

6.15%

-0.03 pp

CPI (YoY)

Source

3.0%

-0.0 pp

Wage growth (YoY)

Source

3.5%

-0.2 pp

Shelter inflation (YoY)

Source

3.4%

-0.2 pp

Debt service ratio

Source

11.2%

-0.0 pp

Macro signals are for information and education only.