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.
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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.
Articles
Job loss article library
Read plain-English articles connected to the Beyond Job Loss runway calculator. These articles are educational context, not financial, legal, tax, employment, benefits, medical, insurance, career, or professional advice.
One calculator, practical context
Articles for job-loss planning
Start with the article that matches the decision in front of you, then run or update your runway numbers.
Job loss planningI Lost My Job. What Should I Do First?Last updated July 2, 2026 · Last reviewed July 8, 2026A plain-English article about the first 24 hours and first week after losing a job, including severance, PTO, unemployment, health insurance, and avoiding panic decisions.Read article 
Job loss planningHow Long Can I Afford To Be Unemployed?Last updated July 2, 2026 · Last reviewed July 8, 2026Learn how to estimate your financial runway after a job loss by reviewing savings, emergency funds, monthly expenses, debt obligations, budget cuts, and warning signs.Read article 
Job loss planningWhat Happens To My Health Insurance After Losing My Job?Last updated July 2, 2026 · Last reviewed July 8, 2026Understand health insurance options after losing a job, including COBRA, Marketplace plans, Medicaid, Medicare, prescription coverage, doctor networks, and common mistakes.Read article 
Job loss planningShould I Take The First Job Offer I Receive?Last updated July 2, 2026 · Last reviewed July 8, 2026Learn how to evaluate the first job offer after unemployment, including financial pressure, salary, benefits, career pivots, and long-term consequences.Read article 
Job loss planningIs Severance Pay Taxed?Last updated August 25, 2026 · Last reviewed August 25, 2026A plain-English explanation of how severance can affect take-home pay, withholding, unemployment timing, and job-loss runway planning.Read article 
Job loss planningWhat Is the COBRA Deadline After Job Loss?Last updated August 25, 2026 · Last reviewed August 25, 2026Understand the COBRA election window, why plan notices matter, and how health insurance deadlines can affect job-loss planning.Read article 
Job loss planningCan I Use the ACA Marketplace After Losing Job-Based Coverage?Last updated August 25, 2026 · Last reviewed August 25, 2026How Marketplace special enrollment can work after losing job-based health coverage, and what to compare before choosing a plan.Read article