Freelancer safety cushion
Monthly spend → cushion size and how much to save
Input
Target cushion
Time to build: 19 mo
150 000 ₴
Time to build: 19 months · that's 27% of spend
Freelancers are advised to hold 4–6 months of expenses (income is unstable + no paid vacation/sick leave). Sprint plan: save more aggressively in fat months.