After a layoff the key question is how long you can go before you need a new paycheck. Enter your severance, savings, benefits and expenses to see your runway in months, the date it ends and how much a leaner budget would extend it.
| Month | Income | Spending | Cash left (current) | Cash left (lean) |
|---|
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Replace worry with a clear number of months.
Know when to widen your job search or take contract work.
See how a leaner budget buys more time.
Your runway is cash divided by monthly burn, where burn is expenses minus any income. Cutting expenses and adding even small income both extend it, and they compound: lower burn means each saved dollar lasts longer.
Common first steps are filing for unemployment immediately, checking health insurance options, pausing non-essential subscriptions and contacting lenders before missing a payment.
Net severance plus savings.
Expenses minus income each month.
Months until cash reaches zero.
Starting cash is net severance plus savings. Each month the calculator adds income (benefits and other income) and subtracts expenses and insurance until the cash would go below zero.
Only what you are willing to spend. Many people keep retirement accounts and a small emergency cushion out of the runway.
The weekly benefit is converted to a monthly amount (x 52 / 12) and paid for the number of weeks you enter. Some places delay benefits until severance ends; reduce the weeks if that applies to you.
Your expenses cut by the percentage you choose, to show how much longer the money lasts if you trim spending.
Usually yes, often withheld at a flat supplemental rate. Enter the withholding percentage to use the net amount.
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