Layoff Runway Calculator – Financial Runway After Job Loss
Calculate how many months savings and severance will last during unemployment.
💰 Finance📐 Runway = Total Funds / Net Monthly Burn
Liquid savings ($)
Severance ($)
Monthly expenses ($)
Unemployment benefits ($/mo)
Please enter valid values.
Formula & Reference
| Variable | Formula | Units |
|---|---|---|
| Layoff Runway Calculator – Financial Runway After Job Loss | Runway = Total Funds / Net Monthly Burn | months |
Step-by-Step Examples
Example 1
$30K+$10K, $4K exp, $1.5K UE
- Net burn: $2,500/month | Runway: 16 months
✓ 16 months
Example 2
$5K, no sev, $3K exp
- Runway: 1.7 months — URGENT!
✓ 1.7 months — urgent!
Example 3
$60K+$20K, $5K exp
- Runway: 26 months — plenty of time
✓ 26 months
Real-World Applications
Laid-off
Know your exact runway.
Planners
Model job loss scenarios.
Everyone
Build emergency fund for job loss.
HR
Help employees plan during layoffs.
Common Mistakes to Avoid
⚠️
Not cutting spending immediately
Pause all non-essential spending the day you are laid off to maximize runway.
⚠️
Forgetting COBRA insurance
Health insurance via COBRA can cost $500-1,500/month. Budget immediately.
Frequently Asked Questions
Emergency fund size? ▾
6 months for stable. 9-12 months for volatile industries. More with dependents.
Average job search length? ▾
3-6 months typical. Executive roles: 6-12 months. Plan conservatively.
File unemployment immediately? ▾
Apply within first week of job loss. Benefits start 2-3 weeks later.