Your survival number
The smallest month you could actually get through. Most people have never written it down — and honey, it's usually lower than the fear.
A free dashboard that shows you what's coming in, what it's costing you, and how long it lasts.
Built by Norlander Wilson, a behavioral operations strategist — because panic gets quieter when the numbers get specific.
See it first
What the dashboard asks for, what it hands back, and the one number most people have never written down.
Get the free dashboardQuietly. Lights still on, nobody knowing. If that's you — you're not behind and you're not bad with money. You're just tired of guessing.
So let's stop playing and go get your numbers.
Okay, one quick game
One real cell from inside the file. Put your own numbers in — nothing here gets sent anywhere.
Same balance. Smaller limit. Bigger number. You didn't do anything. The math moved while you were asleep.
Utilization is your balance divided by your limit — one input into credit scoring, not a report card on you. If a limit gets cut and you don't know why, call the number on the back of the card and ask them to look at it again.
That was one card. Go do it for all of them.
Twenty minutes from now
The smallest month you could actually get through. Most people have never written it down — and honey, it's usually lower than the fear.
A real calendar date. The day the money runs out if income stops. Know it before somebody sends a meeting invite with no agenda.
Not the balance — the interest, this month, in dollars. Plus which card to hit first so you stop paying rent on money you already spent.
You're getting a decision system for your money.
Open it once. Replace the sample numbers with yours. It does the math and starts answering the questions you've been avoiding.
Here's what calculates all of that for you.
You never have to guess where to begin.
The order to go in, and what every color means. Sample numbers are already in it, so you can see what finished looks like before you type a thing.
See the entire picture without opening thirteen tabs.
Everything behind it rolls up here — and one move for the month. Not thirteen. A dashboard you never open is a decoration.
Find the number you actually need to survive — and what you can cut first.
Current and Bare Bones side by side. The gap between them is your emergency lever, and the cut plan underneath makes you put a real date on it.
See where your credit gets dangerous before a lender decides for you.
Balances, limits, minimums and APR — per card and overall, plus the limit-drop stress test you just played at the top of this page.
Know which balance is costing you the most and where your next extra dollar should go.
What every card costs you in interest this month, how long it takes at the minimum, and the payoff order two ways. Put in one extra payment and watch the months fall off.
Get the actual date your money runs out — not a vague “I should probably start saving.”
Paycheck, benefits, cash on hand, clients. It gives you a real calendar date and four scenarios for if the income stops.
Turn an income gap into the exact number of clients you need to close it.
Only if you've got a side thing. Capacity check included, so if the answer doesn't fit in your hours the fix is a higher price, not more hours.
See what cutting is worth before you cut anything.
Closing cash for each of the next three months, with a bare-bones toggle and an income slider so you can run the drill.
The part nobody says out loud
$2,400 on a card at 24.4% APR. Both columns assume a fixed monthly payment and no new charges.
That extra $114 isn't money you don't have. It's your own cut plan, pointed at one card instead of sprinkled across five. The file finds it for you.
And it's actually worse than the left column: a real card minimum shrinks as the balance falls. Pay only what they ask each month and this same $2,400 takes about 13 years and roughly $3,700 in interest. Paying a fixed amount is already the better move.
Go ahead and ask
Nothing. You get the file and you get on my list, where I send workplace and money stuff. Not for you? Unsubscribe and keep the file — it's yours either way. I'd rather you have your runway number than my invoice.
Perfect, neither is most of my list. Everything you type is one color, everything you don't touch is another, and there's a tab that literally tells you what order to go in. It opens with example numbers already filled in so you can see what "done" looks like.
No. It's a file on your device. Nothing you type in it is sent, stored, or seen by me. The only thing I get is your email.
It is not. I'm an operations person, not a financial advisor, and this is an educational planning tool. It doesn't determine anything about your accounts, your credit, or your job — it shows you your own numbers. For anything about a specific account, talk to your issuer or a licensed professional.
Twenty minutes. Survival number, runway date, one move for the month. That's a good Sunday.
Free, and nothing is sold on the other side of it. Promise.