AI Blocks › Handle money and investing
Bad year plan stress tester
Paste a budget or plan. Get three bad-year tests, your breaking point and a survival score.
Bad year plan stress tester is a free AI prompt for the job "Handle money and investing". Give the instructions to an AI assistant that supports the required files and tools, then review its output.
Free · No account · Made by AI Blocks
What it does
Plans look fine when everything goes right. This prompt asks what happens when it does not. It lists what must go right, then tests a bad year, a forced cut and one more failure with real numbers. It finds the breaking point, checks which debts can be called in, sizes a cushion in months of costs and writes a short rule to stop panic moves. The survival score shows how it was worked out. It gives checks only, not advice to buy, sell or borrow.
You give it
- Your plan: income, costs and debts
- Cash and monthly must-pay costs
- Borrowing terms (optional)
You get
- Three failures tested with numbers
- Your breaking point
- Borrowing risk and a sized cushion
- A panic rule and a survival score with sums
Use it when
- You are about to commit to a budget or a business plan.
- You borrow money against a plan that must work.
- You want to know how big a cushion to keep.
How to use it
- Copy the prompt, then paste it into Claude, ChatGPT or Gemini with your details under it.
- Under it, paste your plan, your cash and your must-pay costs.
- Send it and read the result.
- Use your own bad-year number if you have one.