Monthly Shock Planner helps you prepare for imperfect months, not just ideal ones.
Build your real monthly budget, then stress-test it against the moments that usually cause panic: income drops, rent increases, surprise medical bills, annual expense pileups, emergency travel, delayed paychecks, and more.
Instead of only tracking spending, Monthly Shock Planner helps you understand how your month behaves under pressure:
what breaks first
what still holds
which categories must be protected
what can bend or pause
how much reserve keeps the month stable
Key features:
Build your full monthly budget with income, reserve, bills, debt, savings, and flexible spending
Run Budget Shock Replay simulations for realistic bad-month scenarios
Combine multiple shocks in one replay for deeper stress testing
View your Shock Survival Layer with categories grouped into Must Protect, Can Bend, Can Pause, High Stress Trigger, and Safe Buffer Zone
See reserve guidance with minimum, comfortable, and stress-threshold levels
Save scenario history and compare resilience over time
Search budgets, categories, scenarios, and notes
Works beautifully on both iPhone and iPad
Monthly Shock Planner is designed to feel calm, clear, and useful when money feels uncertain.
No subscriptions. No paywalls. No premium locks.
Everything is fully available for free.
