ibuytoto

Time-buying calculator

F-YOU-MONEY

Estimate how much liquid cash you need to buy yourself time before leaving a job, funding a venture, or creating enough breathing room to think clearly again.

What this assumes

This models a zero-salary runway. It is intentionally boring, because boring assumptions are how you avoid dramatic mistakes.

F-YOU-MONEY Inputs

Calculate how much cash you need to quit your job responsibly. This assumes zero salary and zero business revenue during your runway. Liquid assets only, no CPF magic and no credit-card heroics.

Core inputs

Cash + accessible investments only
Rent, food, bills, transport
Tools, software, ops, contractor costs
Company setup, equipment, launch assets
How long you want to buy your time
Extra cushion so one bad month does not wreck you

Inflation assumptions

Default: 3.0%
Default: 4.0%

Enter your assumptions and run the calculation to see how much cash runway you need before quitting.