🧭 Life changes

How long can you last?

Lost your job or worried you might? See your runway in months and what to do this week.

Your runway after a job loss is roughly your cash plus severance and expected unemployment benefits, divided by your monthly expenses. Enter your numbers here to see how many months you can last and what to prioritize this week.

Runs entirely in your browser. Nothing is uploaded.
How much cash do you have?

Checking, savings, money market. Leave out retirement accounts.

Did you get severance?

Use the after-tax amount if you know it. Enter 0 if none.

Do you expect unemployment benefits?

Check your state’s estimate. Benefits and length vary by state, and many states pay for about 26 weeks.

Any other income each month?

A partner’s pay, side work, rental income. Enter 0 if none.

What do you spend each month?

Rent or mortgage, food, utilities, insurance, minimum debt payments. Include health insurance if you plan to keep coverage.

Educational only, not financial advice. This tool gives estimates based on what you enter and the stated assumptions. It is not financial, tax, or legal advice. Talk to a licensed professional before you make decisions. Everything is calculated in your browser, and nothing you type or upload leaves your device.

Common questions

How long will my savings last if I lose my job?

Divide the money you can draw on by what you spend each month. Counting severance and unemployment benefits, and trimming expenses, can extend that number.

Should I count unemployment benefits in my runway?

If you are likely eligible, yes, but amounts and duration depend on your state. File as soon as you can and use your state’s estimate rather than a guess.

What should I do first after losing my job?

File for unemployment, check your final paycheck and severance terms, and sort out health coverage. Our Just lost your job guide walks through each step.

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