Calculator
Tool
US Kill Line Calculator
Enter income, savings, essential costs and a shock scenario to estimate a cash-buffer gap. The calculator uses your inputs and published assumptions; macro indicators are shown separately for context.
PPO/HMO coverage and unemployment benefits are illustrative assumptions. Check your actual policy and benefits; this is an educational estimate.
Zone
Red zone
Baseline cash runway (days)
94
Inputs are saved in this browser. A share link contains your financial figures after #; share it only with people you trust.
Liquid assets / required buffer, displayed up to 100%. This is not a probability or a validated risk score.
Below the line (buffer shortfall)
Estimated buffer needed
$40,840
Monthly essential outflow
$4,800
Breakdown
Top risk driver
Medical out-of-pocket ($21,800)
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
FRED indicators provide economic context. They do not change the household calculation. Each value shows its observation date.
Updated: 2026-10-15
Macro signals are for information and education only.