Hypothetical example: A household receives $6,500 a month from two incomes. One income of $2,200 may stop for three months.
- Duplicate the baseline.
- Rename it “Three months on one income”.
- Change that income to zero in the copy.
- Check the monthly shortfall.
If the scenario shows a $900 monthly shortfall, three months would require about $2,700 from savings, before unexpected costs.
Worth knowing: The calculator models recurring monthly conditions, not a dated three-month sequence. Use the monthly result to estimate the temporary buffer, and keep the duration assumption visible in the scenario name or your notes.