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.
Methodology
How the Calculator Works
The calculator adds money available now, income still coming in each month, essential expenses, debt minimums, flexible expenses, and one-time bills the user wants to reserve immediately.
Current runway equals available money after reserved one-time bills divided by current monthly burn. Current monthly burn equals essential expenses plus debt minimums plus flexible expenses, minus monthly income.
Emergency runway uses the same available money after reserved one-time bills, but removes flexible expenses from the monthly burn. Emergency monthly burn equals essential expenses plus debt minimums, minus monthly income.
If monthly income covers the monthly burn, the calculator shows runway as ongoing. If reserved one-time bills exceed available money, runway math uses zero available money and shows the shortfall separately.
Credit card interest is estimated as balance x APR / 100 / 12. Estimated principal reduction is the minimum payment minus estimated monthly interest, never below zero. Estimated interest portion is the smaller of estimated monthly interest and the minimum payment.
This methodology is intentionally simple. It is built for fast planning clarity, not exact tax, benefits, lender, legal, medical, or debt payoff calculations.
For the network-wide research and transparency approach, see the AnswerWorth Methodology Index and AnswerWorth Trust Standard.