Knowing where you stand
One simple number: how many months of expenses can you cover with what you have right now?
Monetoir sums up your financial resilience in one number: your buffer. That is your main balance divided by your monthly obligations (fixed costs plus debt repayments). Six months of buffer counts as the maximum — at that point you stand firm, whatever happens.
Strong (from ± 5 months of buffer): your foundation is solid. Part of your buffer could be working for you in a goal.
Stable (± 3.5 to 5 months): your course is good. Keep the buffer where it is.
Attention (± 2.5 to 3.5 months): a setback could slow your plans down. Keep building your buffer, calmly.
Risk (below ± 2.5 months): your margins are thin. Look at which fixed costs could come down — that is breathing room you win back.