What surprised me is that I was not afraid of the change itself. I was unsure how long I could realistically sustain myself if my income dropped.

Most tools I found were full budgeting systems or complex financial software. I did not need tracking. I needed clarity about how many months my current situation could hold under different scenarios.

How do you approach this?

Do you run detailed spreadsheets? Do you assume a conservative burn rate? Do you factor in best and worst case?

I am exploring this problem and building something simple around scenario based runway calculations, but I am mainly interested in how others here think about it.

If anyone is curious about what I am working on, it is here: https://tryeaseful.com