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.
Job loss experience library
Shared Journeys
Read experiences from others.
Or share your own.
Explore educational stories about severance, unemployment, COBRA, Marketplace insurance, emergency funds, debt pressure, job offers, job search, and career changes.
Approved stories
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States represented
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Topics represented
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Submission status
Collecting real stories
How Shared Journeys works
Human context beside the calculator
The calculators estimate tradeoffs. Shared Journeys adds the human side: what surprised people, what helped, what they would do differently, and what they learned while navigating job loss.
Curated story pages
Approved stories become useful pages with topics, related journeys, and practical links.
Not a forum
There are no comments, profiles, or reply threads. Shared Journeys is a curated library of experiences.
Educational examples
Stories are for context and should not be treated as financial, legal, employment, benefits, insurance, or professional advice.
Browse stories
Experience library
Be the first to share your story
Shared Journeys is now collecting real submitted experiences. No sample stories or fabricated response counts are shown here.
Share Your Journey