Transparently calculated
Method behind the income reserve calculator
How the calculated reach of liquid reserves is assessed if income stops.
Inputs
What goes into the calculation.
- monthly net income
- essential monthly spending
- reserves available at short notice
Calculation
How the model works.
01
Step 1
Reach = reserves divided by essential monthly spending.
02
Step 2
As a freely chosen point of reference, the difference to six months of spending is also shown.
03
Step 3
The basic cost ratio sets essential spending in relation to net income.
The calculator only shows how far liquid funds reach mathematically. Whether and which additional cover makes sense depends on your personal context.
Limits
What the figure does not claim.
- sick pay, unemployment benefit or other social benefits
- benefits from existing insurance policies
- taxes and inflation
- individual waiting periods
The output is a non-binding model calculation and not individual financial advice, a guaranteed return or a loan approval.
Open the calculator with your own figures →Sources
Traceable and publicly verifiable.
Method last reviewed on 13 August 2026.