STRATEGIC INTELLIGENCE. CONFIDENT DECISIONS.
Financial Breathing Room.
Life brings changes we can’t always anticipate. A cash cushion gives us room to meet everyday commitments, manage an interruption in income, and make decisions with greater confidence.
A home, an investment portfolio, and a long-term plan all depend on being able to cover the obligations in front of us. When cash becomes tight, we may have to borrow, sell investments, or change plans sooner than we intended.
Iversen | Martin created Financial Breathing Room to help you understand how your income, expenses, debt payments, and available cash fit together. Explore how changes could affect your cushion—and plan with greater clarity for the life you’re building.
Your current position
Include cash available for these commitments. Exclude investments, property, credit limits and restricted funds.
Shown for context; investments are not used to extend the cash runway.
Include the spending you intend to maintain, excluding debt payments entered below.
Count each payment once. If a mortgage is included here, exclude it from expenses above.
Explore a change
Applied immediately at the start of the changed scenario.
Your cash cushion
Current monthly balance
If income stopped
Uses current accessible cash and ongoing expenses plus debt payments. No one-time expense is applied to this comparison.
Your changed scenario
Cash over time
Gold: current pattern. Dashed blue: changed scenario. Curves stop at zero; they do not assume borrowing. Vertical values share the same scale.
Balances are illustrations using constant monthly income and spending, before interest, inflation and future changes. Income reduction continues throughout the chart. A surplus does not automatically mean the cushion fits your needs.