Beyond Payday

SHTF plan — Beyond Payday live demo

Sample data — a live Beyond Payday tour.
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SHTF plan

When sh*t hits the fan, know what you’d change—and how long your money would last.

Demo changes aren’t saved

Step 1: What you’re starting with

The money you could actually reach on day one, and how far ahead to look. All four plans share these numbers.

Cash you could use
$40,000
You want to keep
$0.00
Looking ahead
1 yearfrom Sep 2026

Step 2: How bad does it get?

Pick how rough things are, then say what happens to your money in that case. Each of the four plans keeps its own answers.

In this case, my money looks like this

What still lands in your account each month. Leave blank to use your Income entries: $9,332.73/mo.

Raises everyday living costs right away. Debt payments and contributions stay fixed, and any bill budget you enter is already the final amount.

Leave blank for no recovery date. After 4 months means normal income resumes in month 5.

The forecast updates when you leave a field or press Enter. These three answers belong to High inflation only.

Step 3: What would you change?

Choose the moves you would make first. They carry into more severe plans. Nothing is canceled, sold or changed in your household.

First-month costs$72.80 less

Cut a cost, claim a benefit, get community help, sell something, move, or deal with a debt.

Carries into more severe plans

Your plan stays at or above your $0.00 cushion.

The lowest modeled balance is $40,000 at the start. Review the monthly estimates and unentered costs before acting.

Based on $9,332.73/mo coming in · No income recovery assumed · Living costs +4%

Check these assumptions (2)
  • Monthly amounts are planning averages. Payment dates, future tax changes, and intra-month cash shortages are not modeled.
  • Take-home income is estimated from current Income entries, deductions, and tax settings; verify it against actual deposits.

Demo changes stay on this page and reset when you leave.

Every figure here is an estimate built from the numbers you entered, and a plan you make here is never carried out for you — no bill is canceled, no account is sold or drawn down, and your household records stay exactly as they are. Nothing here is financial, tax, or legal advice, and no figure is a guarantee of an outcome, a sale price, or an approval. The bankruptcy option models cash flow only: it does not decide whether you qualify, recommend a chapter, or assume any debt is discharged. Talk to a qualified professional before acting on a bankruptcy, a retirement withdrawal, or selling an asset.

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Sample data