Tax year 2026/27

Runway Matrix

Liquid capital required from fixed versus variable burn, dependants, and income volatility.

Fixed monthly burn£1,800

Variable monthly burn£900

Current cash reserve£12,000

Income-risk multiplier1.20×

Dependants0

Target months6 months

Cash yield4.0%

Target reserve

£14,904

Gap

-£2,904

Below target

Survival runway

6.7 mo

Fixed burn only

Full-lifestyle runway

4.4 mo

Risk-adjusted burn

£2,484

Buffer filled

80.5%

Reserve path if income stops

Emerald: survival (fixed only). Amber: full lifestyle. Dashed: target reserve.