Buffer
How many days of expenses your current balances can cover.
Reading the chart
Buffer = total liquid assets / average daily spending. A buffer of 30 means you could cover 30 days of expenses with no income.
Interpretation
| Buffer | Meaning |
|---|---|
| < 30 days | Living paycheck to paycheck |
| 30–90 days | One to three month cushion |
| > 90 days | Solid financial buffer |
Track this over time to see if your financial resilience is improving.