What’s your runway?

A note before you dive in: This calculator is a planning tool — not financial advice. The numbers it generates are estimates based on what you enter, and life rarely follows a spreadsheet. Unexpected expenses, tax timing, market changes, and a hundred other variables can affect your actual runway. I'm not a financial advisor. Use this as a starting point for your planning conversations — not as a substitute for one. If you're navigating a significant financial transition, please consult a licensed financial professional.

Your monthly expenses

Bare minimumRent, food, utilities, insurance, minimum debt payments
$
ComfortableAbove + savings, retirement, and some breathing room
$

Your available funds

Severance remainingCheck your severance letter for the exact figure
$
Personal savings availableOnly what you'd realistically use — be conservative
$
Unemployment benefits (monthly amount)What you receive each month — file immediately if you haven't
$
Unemployment benefits (total cap)Most states cap your total benefits — enter the lump sum max here
$
Other income (freelance, rental, etc.)Conservative only — money you're confident is coming
$

Your runway

Total funds
—
Severance + savings
Monthly shortfall
—
Expenses − income
Your runway
—
months (with buffer)

Your panic number

Enter your numbers above

This is the date by which you need to be generating income. It is not a threat — it is a compass. Put it in your calendar and let everything else be organized around reaching it.

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