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Layoff Runway Calculator

Know exactly how many months your savings will last — factoring severance, unemployment, side income, and expense cuts.

Private (stays in your browser) Scenario planning Survivability score
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Total Runway
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Net Monthly Burn
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Safe Search Window
Fill in your numbers below
Enter your savings, monthly expenses, and income details to get your personal survivability score and full runway breakdown.
Your Finances
Savings & Emergency Fund
Checking + savings accounts
Dedicated emergency buffer
Monthly Expenses
Total Monthly Expenses $0
Severance Package
Did you receive a severance package?
Toggle on to enter your severance details
Unemployment Benefits
Eligible for unemployment?
Most W-2 employees qualify after layoff
Side Income & Freelance
Any side income during job search?
Freelance, consulting, part-time, gig work
Scenarios
Job Hunt Scenarios

Industry benchmarks for how long job searches typically take. Select your industry:

Select an industry to see realistic job-hunt timelines and compare against your runway.
Action Plan
Your 90-Day Action Plan
Sign nothing yet. Review your severance agreement carefully. In the US, ADEA gives workers 40+ a 21-day review window. Negotiate COBRA, outplacement services, and reference letter language before signing.
Open a HYSA immediately. Move your runway cash to a High-Yield Savings Account (currently ~4.5–5% APY). On $30k of runway, that's ~$1,350/year you'd otherwise lose.
File for unemployment on Day 1. Most states require a 1-week waiting period before benefits begin. Don't delay — every week counts.
Prioritize health coverage. COBRA is expensive; compare it against marketplace plans at healthcare.gov — you have a 60-day special enrollment window after job loss.
Treat the job search like a job. Research shows people who apply strategically to fewer, better-matched roles get hired ~37% faster than spray-and-pray applicants.