If you lost your job tomorrow,
how long could you survive?
Get your Recession Readiness Score (0–100) and your exact survival runway in months. Free. No sign-up.
Enter Your Numbers
How Your Score Is Calculated
Three weighted factors determine your Recession Readiness Score
How many months your savings cover all expenses. Target: 9 months (2026 standard).
Your liquid savings as a percentage of annual income. 20%+ annual savings earns full points.
Your monthly expenses vs monthly income. Lower ratio = more resilience.
Recession Financial Guides
Expert-reviewed guides to help you prepare financially
Best High-Yield Savings Accounts for Your Emergency Fund in 2026
Where to park your emergency fund in 2026? We compare the best HYSA rates, FDIC coverage, and access features to find the right home for your recession buffer.
Read guide →Emergency Fund vs. Investing: Which Should Come First in 2026?
Should you build your emergency fund or invest first? The math and the psychology both point to a clear answer — here's the framework.
Read guide →How Long Does a Recession Last? Historical US Data and What to Expect
U.S. recessions have ranged from 2 months to 18 months. Here's what the data says about average recession duration — and how to plan your emergency fund accordingly.
Read guide →