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 are kept only for the current browser session. A new session starts blank.
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 session.
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, clear 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 straightforward collection of job-loss experiences people might recognize. It is educational context, not advice.
Privacy
Privacy Policy
Effective date: July 2, 2026
Beyond Job Loss does not require an account, name, email address, bank connection, or login to use the calculator.
Calculator inputs are kept in your browser's session storage so you can move around the site during the same session without losing your work. A new browser session starts blank unless you choose to export or share a result.
You can clear saved calculator data from the Settings panel on the homepage. Browser privacy settings may also let you clear session storage for this site.
PDF downloads are free and do not require an account, registration, subscription, or email address. If you choose the optional email-copy feature, your email address is used to send the requested PDF. If you separately check the updates box, that consent may be used for future updates about job-loss tools, calculators, and articles.
Beyond Job Loss does not sell personal information.
What we never send to any AI service: your exact checking, savings, cash, emergency fund, brokerage, severance, PTO, or other account-level balances; ZIP code; email address; bill names or dates; card names; individual credit-card balances, APRs, limits, or card-by-card minimum payments; employer names; account numbers; or any other identifying numbers.
When an AI-generated explanation is requested, detailed money fields are aggregated first. For example, itemized expenses are folded into essential expenses, flexible expenses, and debt minimum totals. Account-level balances are folded into one available-funds total. Scenario details are limited to the scenario label, modeled runway months, and whether the scenario is longer, shorter, or about the same as the current estimate.
The AI explanation uses only a narrow set of aggregate results already shown on the results page: available funds after reserved bills, monthly income, current monthly burn, debt minimums, Health Score, and scenario runway months. Health coverage status, COBRA or Marketplace cost details, state, and dates are not included in the current AI explanation payload.
These explanation requests are not tied to an account, because this site does not have accounts, and they are not used here to identify you. If the AI service is unavailable, takes too long, or writes a number that does not match the verified calculator data, the page falls back to the calculator-generated explanation based on the same verified numbers.
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The site may use advertising or analytics tools in the future to support free access. If those tools are added, this page should be updated to describe what is collected and how it is used.
Do not enter information you are not comfortable storing in your browser. This site is intended for rough planning, not for storing sensitive personal records.
Privacy questions can be sent to the site's contact email:hello@answerworth.com