Job loss runway calculator: know your financial runway.
Estimate how long your money may last,what benefits may help, and what choices matter after job loss.
Settings
App info and controls
Privacy+
This site does not require an account, name, email address, username, password, or public profile to use the tools.
Calculator entries may be saved only in this browser so you can return on the same device and update them.
PDF downloads are free and do not require an email address. Optional email delivery remains separate from the free download.
This site is not designed to sell personal data. Use Clear saved data at any time to remove saved calculator information from this browser.
Tools+
Open each input row, tap the item you want to change, and use the large number pad.
Calculation details
Available money equals checking, savings, cash, severance, and other emergency funds entered by the user.
Monthly income includes partner income, side-gig income, severance monthly payment, expected unemployment benefits, and other income.
Runway compares available money with essential expenses, debt minimums, flexible expenses, one-time bills, and income still coming in.
Results are estimates. They depend on the inputs, assumptions, and missing details shown in the result.
The Download PDF Report button creates a PDF copy of the last calculated inputs and results.
Shared Journeys+
Shared Journeys adds a human layer to calculators and articles by showing realistic experiences, tradeoffs, and lessons from people facing similar decisions.
Open Shared JourneysComplete PDF Report+
The calculator results are free to view on this site.
The optional PDF is a convenience export for users who want to save, print, or share their calculation. It is educational, not professional advice.
The PDF report may include the selected tool, information entered, key numbers, assumptions, risk flags, confidence indicators, plain-English explanation, and the educational disclaimer.
Click Calculate first so the PDF matches the most recent result shown on the page.
Ads are not included in the PDF report.
Disclaimer+
Beyond Job Loss is an educational calculator and decision-support site. It does not provide financial, legal, tax, employment, benefits, medical, insurance, or professional advice.
Results are estimates based on the information entered and assumptions shown. Outcomes depend on personal circumstances, market conditions, applicable rules, timing, and future events that cannot be predicted.
Read full disclaimerCommon Questions+
Is this financial or legal advice?+
No. Beyond Job Loss is an educational calculator and decision-support site. It does not provide financial, legal, tax, employment, benefits, medical, insurance, or professional advice.
Do I need an account?+
No. The tools do not require an account, username, password, email address, or profile.
Why do the results show assumptions?+
Job-loss planning depends on assumptions like monthly expenses, income still coming in, unemployment benefits, severance, one-time bills, and flexible spending. Showing assumptions makes the result easier to question and update.
Can I export my result?+
Yes. The calculator includes a free PDF export so you can save, print, or share your result.
What is Shared Journeys?+
Shared Journeys is a plain-English collection of job-loss experiences people might recognize. It is educational context, not advice.
About
About This Website
Beyond Job Loss is a free calculator built to answer one question clearly: how long your money will last after a layoff, and what to look at next. It turns your available money, expenses, severance, and expected unemployment benefits into a single runway estimate, with every formula and assumption shown on the page instead of hidden behind one number.
How the Numbers Are Verified
Every calculator on this site is built from primary sources, not opinion: state unemployment agency formulas, IRS rules on how severance and PTO are taxed, U.S. Department of Labor guidance, and HealthCare.gov's coverage rules. Every formula is shown right on the page — the inputs, the math, the result — so you can see exactly how your number was reached instead of just being handed one.
Before anything goes live, it goes through multiple rounds of review: the math is checked, edge cases are tested, and assumptions are challenged. Independent tools, including AI-assisted analysis, help catch errors or outdated figures. When something doesn't check out, it gets fixed before it's published, not after someone relies on it.
Want the full picture of how this calculator — and the rest of the AnswerWorth network — is researched and reviewed? Read our Research & Review Process →
Why the Numbers Are Shown, Not Hidden
The scariest part of a layoff usually isn't the bad news — it's not being able to see it clearly. So every assumption behind your runway estimate is visible: what counts as available money, what counts as essential spending, what your state's unemployment formula actually does with your wages. If something doesn't match your situation, you can see exactly what to change.
No calculator can tell you how long your job search will take, or what benefits will actually get approved. This one isn't built to promise certainty. It's built to give you a clear enough picture to get through the next few weeks with an actual plan instead of a knot in your stomach.
Educational Information, Not Professional Advice
Everything here is educational. It's not legal, tax, or HR advice, and it's not a substitute for talking to your state unemployment office, an employment attorney, or an HR professional — especially before you sign anything related to a severance agreement.
Use this to get a clear number and a starting plan. Then take that plan, and your questions, to the people who can speak to your specific situation and your specific state's rules. Severance and unemployment law genuinely varies enough by state and situation that a generic calculator, however careful, can't replace that conversation. It can just get you into it prepared instead of guessing.
A Commitment to Improvement
Rules change. State unemployment formulas get updated. Healthcare and tax figures shift. When something here goes out of date or turns out to be wrong, it gets fixed — and fixed publicly, not quietly. If you spot something that looks off, email hello@answerworth.com. We'd rather hear it from you than have it sit there quietly wrong for the next person going through this.
Don't trust a number just because this site produced it. Trust it because you can see exactly how it was calculated, check the assumptions, and decide for yourself whether it fits your situation.
This website is part of the AnswerWorth network of educational decision-support websites.