This is the minimum amount of money you need every single month just to keep your life going. Rent paid. Lights on. Car moving. Food in the house. That's it — nothing extra.
✓ Takes 3 minutes · No math needed · Just fill in the blanks
⚠️ Stop. Read this first. ⚠️
Use real numbers!
Take your time. These are your numbers. They shape how you live every single day.
This is the most important part of the whole system. If these numbers are wrong, your plan will not work for you.
Look at your real bills. No guessing.
Not sure about one? That is okay. Nobody knows every bill by heart. Tap "I'm not sure" and we will find it together on our call.
How far you've gotten0% filled in
What is a Survival Number?
Think of it like a finish line — but for your bills.
Imagine someone handed you a bill at the start of every month — one number that covers everything you have to pay just to keep your life going. That's your Survival Number.
It's your must-pay bills. The things you have to pay no matter what — whether the month is good or bad.
Most people have never added this up. Once you do, you'll know exactly where you stand — and that changes everything.
1
Housing
How much do you pay every month to keep a roof over your head?
🏠
Rent or Mortgage
What you pay to live where you live
$
2
Utilities
The bills that keep the lights on, the water running, and the heat going. If any of these are included in your rent already, just leave them at 0 — no problem.
⚡
Electricity
Your monthly electric bill
$
💧
Water
Your monthly water bill
$
🔥
Gas / Heat
What you pay to heat your home
$
3
Your Car
Your car payment and insurance. If your car is fully paid off — that's awesome! Just check the box.
🚗
Car Payment
Your monthly auto loan payment
$
🛡️
Car Insurance
What you pay to keep it insured each month
$
4
Phone & Internet
How you stay connected. These are real essentials now — they count.
📡
Home Internet
Your monthly Wi-Fi / internet bill
$
📱
Cell Phone
Your monthly phone bill
$
5
Health Insurance
Only put what comes out of YOUR pocket each month. If your job pays for all of it — put 0. Lucky you!
🏥
Health Insurance
What you personally pay each month
$
6
Debt Payments
Add up the smallest amount the companies are asking for on all your debts — credit cards, student loans, any loans. Not what you wish you could pay. Just the minimum they're asking for each month.
💳
All Minimum Payments
Total of just the minimums required — nothing extra
$
7
Food & Gas
What it costs to feed your household and keep your gas tank full. Groceries only — not eating out or ordering food. Just what you buy at the store.
🛒
Groceries
Food from the store — not restaurants or takeout
$
⛽
Gas for Your Car
How much you spend on fuel each month
$
You're doing great — keep going!
Your running total
Updates as you type
$0
You did it. Here it is.
Your Survival Number is
$0
This is the minimum your life costs every month. These are the bills you have to pay no matter what. You now know this number. Most people don't.
Want to see more first? Keep scrolling. It is all here for you.
Every Week
$0
what life costs per week
Every Day
$0
what life costs per day
Every Year
$0
just to stay standing financially
Every Hour You Work
$0.00
based on 160 hrs/month
The Real Question
Is what you're earning enough?
Now that you know what your life costs, let's see how many hours you have to work each week just to cover it. Enter your hourly pay below and we'll show you the math.
You Need Each Week
$0
just to cover your survival number
Hours You Need to Work
0 hrs
at $15/hr per week
👇 Now see this in your real life
💰
What do you earn per hour?
Type what you really make. Watch the numbers above change.
$
⚠️
Heads up — these numbers don't include taxes.
The amounts above are based on your pay before the government takes their share. Your actual take-home pay is lower than what you earn. For example, if taxes take about 25 cents from every dollar you earn, you'd actually need to bring in about $0/week gross just so your take-home covers your survival number after taxes are taken out.
Put simply: You need $0 a week just to keep your life running. At your wage, that's about 0 hours of work per week — and remember, that's before taxes come out. Every dollar you bring in above that? That's money that can actually start building your future.
Your Safety Net Goal
What happens if the money stops?
An emergency fund is money you keep saved so that if something goes wrong — you lose your job, your car breaks down, a big bill shows up — your life doesn't fall apart. Here's exactly how much you need to save, based on your survival number.
1 Month
$0
Start here. This is your first real win.
3 Months
$0
Now you've got real breathing room.
6 Months
$0
Full protection. This is the goal.
Start with one month. Save that. Then build to three. Then six. Every step forward changes what's possible for you.
Shrink Your Number
The Fastest Ways to Lower Your Survival Number
This is where the real work starts — and where real wins happen fast. Your survival number is not permanent. You can cut it. And every single dollar you trim off it is a dollar that comes back to you every month, forever. Here's exactly where to look first.
💳
Knock out your smallest debt completely
Find the one debt with the smallest balance you owe and focus everything on wiping it out. Once it's paid off, that monthly payment is gone from your survival number forever. That's a real raise every single month — and it feels incredible.
Instant permanent savings
📱
Cut your phone bill in half — today
Companies like Mint Mobile, Visible, and Google Fi give you the same coverage for $15–$45 a month. Most people are overpaying by $80–$100 every single month without knowing it. One phone call or 10 minutes online fixes this. It's one of the easiest wins out there.
Save $60–$100/mo
📡
Call your internet company and just ask for less
Seriously. Call them and say you want a lower rate — or you're thinking about switching. They almost always say yes. Most people get $20–$40 knocked off their bill in less than 10 minutes. You've probably never done this. It works.
Save $20–$40/mo
🛡️
Get 3 car insurance quotes this week
Most people who do this save $40–$80 a month for the exact same coverage. Same protection. Just less money out of your pocket. It takes about 20 minutes — and the savings show up every single month after that, for as long as you have a car.
Save $40–$80/mo
🛒
Switch to a more affordable grocery store
Stores like Aldi and Lidl sell the same quality food for 20–40% less. You don't need to change what you eat — just where you buy it. Add even a simple weekly plan and most families save another $50–$100 on top of that. It adds up fast.
Save $50–$150/mo
⛽
Use GasBuddy to find cheaper gas near you
It's a free app that shows you the cheapest gas on your route. Combine your errands into fewer trips, fill up at the cheapest station near you, and use a cash-back card. Almost zero effort — and your gas spending drops noticeably within the first week.
Save $20–$50/mo
Here's the Big Picture
You just did something most people never do.
And it matters way more than you might think right now.
You now know your floor.
Every dollar you earn above this number is money that can protect you, grow your savings, or buy you freedom. Most people go their whole lives never knowing this number. You know it now. That's a huge deal — don't underestimate it.
Your safety net now has a real target.
Not a guess. Not "I should probably save something someday." A specific, real number based on your actual life. That's the difference between hoping things will be okay and knowing you're building something real.
Now we can see the gap — and close it.
Your survival number versus what you actually bring home. That gap tells us everything. A small gap means we tighten things up and start building. A bigger gap means we go after it together. Either way — you can't close a gap you can't see.
This is just the starting line.
This number only covers the bare minimum — the things you have to pay. We haven't added savings, the things you enjoy, your goals, or anything that makes life worth living yet. That all comes next. But everything starts here. One step at a time — and you just took the first one.
You know your number. Now let's do something with it.
Knowing your survival number is step one. But knowing it and actually doing something about it are two different things. Here are your next three moves. They're simple. They work. And the fact that you finished this tool means you're already ahead of most people.
1
Save your number somewhere you'll actually see it
2
Pick one expense from the tips above and cut it this week
3
Start saving toward 1 month of your survival number
Keep Your Results
Last thing: where do we send your number?
Enter your name and email and we'll send you a clean summary of everything — your number, your full breakdown, your emergency fund targets, and your next steps. So you always have it when you need it.
What you'll get in your inbox:
✓Your full Survival Number with every expense listed out
✓Your per week, per day, per year, and per hour numbers
✓Your 1-month, 3-month, and 6-month emergency fund targets
✓What you need to bring home each week — with the tax heads-up
✓Your next steps clearly laid out so you know exactly what to do
One tap does it all: we email your number to you, then take you to your next step. Your info is private. We send you your results — nothing else, ever.
Where You Are on the Journey
Phase 1
Stop the Bleeding
← You Are Here
Phase 2
Protect the Base
Phase 3
Invest on Purpose
You can't protect what you don't understand. You can't grow what you haven't protected. This is step one. And you just did it.