Are You One Shock Away from Financial Crisis?
This tool stress-tests your finances against real emergencies — job loss, visa problems, medical crises, and more. Most people are more fragile than they think. Let's find out exactly where you stand.
⚡ 68% of Americans can't cover a $1,000 emergency
⚡ 54% of H-1B holders have <3 months runway
⚡ Job loss is the #1 path to financial crisis
👤 Personal Profile
Basic information to personalize your analysis
🌍 Immigration & Visa Status
Visa status dramatically affects your options and timeline in a shock scenario
⚠️ H-1B holders: Losing your job triggers a 60-day grace period before your status expires. This compresses every financial decision dramatically.
💼 Income & Job Security
Your income sources and how stable they really are
Monthly Take-Home Income
After-tax amounts you actually receive each month
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Leave 0 if not applicable
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Job Stability Assessment
Rate your current situation honestly
H-1B holders are generally ineligible for unemployment benefits
🏠 Monthly Expenses
Be honest — this determines your true monthly burn rate
🏠 Housing
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👨👩👧 Family & Children
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🚗 Transport & 🌎 Lifestyle
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Home-country visits, visa runs, vacation
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⚕️ Health & Insurance
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Your portion. COBRA is ~3x this if laid off.
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💳 Debt & Obligations
Debt is leverage — it amplifies every shock. Know exactly what you owe.
🏠 Mortgage / Real Estate
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🎓 Student & Consumer Debt
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👨👩👧 Family Obligations
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Money sent to parents, siblings overseas
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🏦 Assets & Safety Net
Your financial cushion — the difference between a bump and a crisis
💵 Liquid Assets (Immediately Accessible)
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📈 Retirement Accounts (Penalty to Access Early)
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⚠️ 401k early withdrawals face a 10% penalty + income tax. Roth IRA contributions (not earnings) can be withdrawn penalty-free.
🛡️ Protection & Other Assets
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📊 Fragility Dashboard
Your real-time financial vulnerability snapshot
⚡ Complete all tabs and click "Run Fragility Analysis" to see your results. Or load a test scenario above.
🚨 Full Fragility Report
Comprehensive printable analysis
⚡ Run the Dashboard analysis first, then your full report will appear here.