The Survival Number Calculator is a free mini money reset that helps you break out of the Payday High → Silent Slide → Mid-Month Panic cycle by showing you exactly how much you need each month to cover your real essentials.

That Payday High → Mid-Month Panic Cycle? This Is Where It Ends

You get paid.
You feel rich for two days.
Then the silent slide begins.

By mid-month, you’re:

• Doing mental maths at the till
• Hoping debit orders don’t bounce
• Promising yourself that “next month will be different”

The problem isn’t that you’re “bad with money.”
The problem is: you’re guessing.

You can’t fix what you can’t see. You need one clear number.

That’s what the Survival Number Calculator gives you.

What This Free Mini Reset Helps You Do

In three simple steps, you will:

• Find your exact Survival Number – the minimum you need to cover non‑negotiable essentials
• Stop confusing “wants” with “needs” so you can plan with emotional accuracy
• See instantly whether you’re in surplus (you can start building) or deficit (you need a reset plan)
• Build a calm foundation for any budget, debt payoff or investing strategy you try next

No spreadsheets, no shame – just the truth about your real baseline.

What’s Inside the Survival Number Calculator

• Step 1: List Only Non‑Negotiable Essentials
  Guided prompts to list things like rent/mortgage, electricity, water, groceries, transport, and minimum debt payments.
  No dining out, no entertainment, no delivery apps – just the costs that keep you alive and functioning.

• Step 2: Calculate Monthly Costs Correctly
  Simple instructions to break down annual, quarterly or irregular bills into a true monthly number, so you stop underestimating.

• Step 3: Add It All Up
  A clean layout to total everything and reveal your personal Survival Number.

• What Your Number Means (Next‑Step Guidance)
  Short, clear coaching on what to do if:

  • Your income is above your Survival Number (how to move into building mode)
  • Your income is below your Survival Number (how to respond instead of panic)

This is the “before anything else” step your money has been missing.

Why This Works When Normal Budgets Don’t

Most budgets:

• Start with “cut back” and “no-spend” rules
• Mix essentials and lifestyle together
• Make you feel guilty every time you spend

The Survival Number Calculator:

• Separates Survival from Play so you stop shaming yourself for basics
• Gives you a single, honest number to anchor every decision
• Turns vague anxiety into clear information you can act on

Once you know your number, you’re not guessing anymore.

Who This Is For

This free mini reset is perfect if you:

• Are tired of being broke by the 15th
• Have side hustle income but still feel like you’re “just coping”
• Want to start a 30-Day Financial Reset without feeling overwhelmed
• Need a calm, no‑shame way to face your numbers for the first time

Format & Access

• Digital PDF – instant download after checkout
• Works in any country and any currency (R, $, £, € – you plug in your own amounts)
• Use on your phone/tablet or print at home
• Designed to be completed in one focused sitting – 20–30 minutes max

How It Fits Into the 30-Day Reset

The Survival Number Calculator is your Day 0:

1. Use this free mini reset to find your Survival Number
2. Then, if you’re ready, the full 30-Day Paycheck‑to‑Asset Reset shows you how to:
   • Build a plan around that number
   • Use the 3‑Bucket System (Engine, Playground, Fortress)
   • Turn every paycheck and side hustle payout into debt payoff, savings and starter assets

Ready to Stop Guessing With Your Money?

Click “Add to cart” to get your free Survival Number Calculator and finally see, in black and white, what you truly need to survive each month – so every money decision after this can be calmer, clearer, and more honest. ✨