Scenario comparison
See three futures side by side
Your current plan, the loss with no changes, and your Plan B — from the same starting cash, on one chart.
Example balances after 12 months · same scenario as above
Open the calculatorFree Plan B planning tool
Plan A is great. Until it isn't.
Explore what happens if your income drops, a major client leaves, or your financial plans change. Understand the numbers and prepare your next move.
- Free, no sign-up
- Runs in your browser
- Transparent maths
Live example
Your biggest client leaves in month 2
Minimum reserve €6,000
- ACurrent plan€30,000Stays at or above reserve
- BClient leaves-€3,000Below reserve in month 8
- CYour Plan B€20,700Stays at or above reserve
Try it with your numbers
How long would your savings last?
Four numbers, one honest answer. Change any value and the result updates instantly.
If your biggest client left today
≈ 7.5months
until your savings run out.
- Income lost
- €3,000/mo (60%)
- Monthly cash flow after
- -€2,000
- New income to break even
- €2,000/mo
Simplified preview with no reserve or changes. The full calculator adds reserves, timing, cuts and new revenue.
The risk
What if things don't go according to plan?
- Client loss
Your biggest client leaves
One decision on their side can remove most of your income.
- Income drop
Your income suddenly drops
Smaller retainers, lower rates or late invoices shrink every month.
- Cash squeeze
Your expenses get hard to cover
Fixed costs keep coming while your savings fill the gap.
How it works
From “what if?” to a plan in three steps
Enter your numbers
Cash, expenses and your clients. No account.
Explore what-ifs
Remove a client, cut income, change the month.
Build your Plan B
Add cuts and new revenue, compare, export.
What you get
Concrete numbers, not vague advice
Everything below is part of the free Client Loss & Income Runway Calculator.
Runway to your reserve
When your cash would fall below the minimum you want to keep — or confirmation it won't.
Income risk analysis
How much each client contributes, and what losing all or part of it means.
Cuts & replacement revenue
Test expense cuts and new income from any month, plus your break-even target.
Month-by-month projection
Closing balances and cash flow for 12 or 24 months, not one vague number.
Export and reuse
Print or save as PDF, download your scenario as JSON and import it later.
Private by design
Runs in your browser. No sign-up, and your numbers are never uploaded.
Every formula is documented in our methodology.
Guides
Learn the thinking behind a good backup plan
What to Do If You Lose Your Biggest Client
A practical, step-by-step response plan for freelancers and consultants: measure the impact, check your reserves, cut the right costs and replace the revenue.
Read the guideHow Freelancers Can Reduce Income Risk
Where freelance income risk comes from — volatility, client concentration, late payments, weak contracts — and the habits that make it manageable.
Read the guideHow to Calculate Your Financial Runway
The runway formula explained with worked examples: monthly cash flow versus cash balance, minimum reserves, and the limits of any estimate.
Read the guideA better backup plan starts with knowing your numbers.
Free, private and ready in a few minutes. No account required.