PaceWhat would a break mean for your savings?
See what would be left in savings after a break. Add details only if you need them.
Put the break in context
See what a pause could change.
Pace for iPhone lets you explore an income pause alongside your wealth, spending and debt payments, then compare it with your current outlook. Its editable assumptions are different from this fixed-money estimate.
Your web inputs stay here. They are not transferred to the app.
How this estimate works.
Start with the length of your break and your monthly living costs. Six months at 2,500 a month use 15,000. With 18,000 in savings, that leaves 3,000. This first estimate assumes no income, no one-off costs and no money set aside. Add those details only if they apply.
From savings each month = the greater of (living costs − continuing income) and 0.
Savings target = one-off costs + untouched reserve + (amount from savings each month × months).
Gap = the target minus available savings, when the target is higher.
If you add details to that example, continuing income of 500 leaves 2,000 to cover each month. That is 12,000 over the break. Add 1,000 in upfront costs and a 6,000 reserve: the starting target is 19,000. With 18,000 available, the gap is 1,000. All figures use the same currency.
The reserve is part of the target and part of available savings; it is counted once on each side. It stays separate from the break budget. Future surplus income never reduces the initial reserve or upfront-cost requirement. Money is calculated in whole currency units for JPY, thousandths for KWD and hundredths for the other choices, with no investment return or inflation. Extra decimal places are rejected, not silently rounded. Months are whole planning periods, not calendar or payroll dates.
What this calculation misses.
A monthly average cannot show whether an insurance premium is due before the next payment arrives. Put known start-of-break bills in one-off costs; include other irregular costs in your monthly estimate or reserve, without counting them twice. A delayed return to work can change both the length and cost of the break.
Enter income after tax and check whether it actually continues. The tool does not calculate tax changes, employment benefits, health cover, pension contributions, debt interest schedules, exchange rates or investment sales. It does not decide how large your reserve should be. For long breaks, changing prices make a fixed-money estimate less reliable.
A target of zero means the entered costs and reserve need no starting savings in this simplified model. It does not mean a break has no risks or that bills will always be covered.
Check the plan before relying on the number.
- List the bills and debt payments that continue. Check annual renewals and replacement costs against actual records.
- Separate a planned break budget from money reserved for surprises and the return to work. Choose that reserve deliberately.
- Try a longer break or lower continuing income. Compare the savings gap, without treating either scenario as a prediction.
- Check employer arrangements, payment dates and any benefit or insurance changes before making a commitment.
Sources and method.
The arithmetic above is a cash-budget identity, not a forecast of markets or employment. For input preparation, the CFPB spending checklist explains looking back for less frequent costs. Its emergency-fund guide distinguishes money set aside for unexpected expenses. These budgeting principles inform the checklist; neither source endorses this tool or sets your personal break budget.