Finance

Instant, private, and free

Layoff Survival Calculator.

Estimate your runway, stress-test your cash plan, and get practical next steps

On-device calculationNo signup
01

Set your values

Results update as you type.

Monthly Obligations

Available Resources

Household

A
Grade
Excellent
8.6Runway

Score: 85/100

0 mo6 mo12 mo

Monthly Net Burn

$3,500

per month

Emergency Fund Gap

$0

surplus

Action Plan

1Reduce monthly outflow to about $4,000 and pause non-essential subscriptions.
2Target at least $700 in additional monthly income to extend runway.
3Close your emergency-fund gap of $0 with weekly savings milestones.
4Call lenders to negotiate rates or temporary relief on high-interest debt first.
5Track runway, applications, interviews, and cash burn every week.

AI Action Plan

Use AI to generate a personalized 6-step survival plan from your current numbers.

FAQs

How is personal runway calculated?

Runway is calculated as available liquidity divided by monthly net burn rate. Net burn is monthly obligations minus side income.

What should my emergency fund target be?

A common target is 6 months of essential expenses. If you have dependents or variable income, consider increasing that buffer.

Can this replace professional financial advice?

No. This tool is for planning and budgeting support. For legal, tax, or investment decisions, consult a qualified professional.

Cite this calculator

Canonical URL: https://mathify.one/en/finance/layoff-survival

Cite as: Mathify. (2026). Layoff Survival Calculator. https://mathify.one/en/finance/layoff-survival

Use Cases

Assess your financial resilience

Quickly see how many months you can cover expenses with your current savings and expected income, helping you gauge your financial cushion.

Example: Enter your savings, monthly expenses, and expected severance to see your runway.

Plan your job search timeline

Use the runway estimate to set a realistic job search deadline and prioritize actions to extend your runway if needed.

Example: If your runway is 3 months, you know to intensify your job search and cut non-essential spending.

Frequently Asked Questions

How does the Layoff Survival Calculator estimate my cash runway?
The calculator uses your inputs to estimate how long your savings and income sources will last during a layoff. It considers your monthly expenses, available cash, and any severance or unemployment benefits you expect to receive, providing a personalized runway estimate.
What should I include in my monthly expenses?
Include all essential and non-essential spending: rent/mortgage, utilities, groceries, transportation, insurance, debt payments, and discretionary items. Be thorough to get an accurate runway estimate. The calculator helps you see how long your funds will last based on your total monthly outflow.
Can this calculator help me create a layoff action plan?
Yes. Based on your inputs, the calculator provides a runway estimate and suggests steps to extend your runway, such as reducing expenses or identifying additional income sources. It's a practical tool to guide your financial planning during a layoff.

Tips & Common Mistakes

Tips

  • List all income sources you expect during layoff, including severance, unemployment benefits, and any side gigs.
  • Be realistic about your monthly expenses—overestimating is safer than underestimating.
  • Review your runway monthly and adjust your plan as your situation changes.
  • Use the calculator to test different scenarios, like reducing expenses or taking on part-time work.

Common Mistakes to Avoid

  • Forgetting to include irregular expenses like annual insurance premiums or car maintenance.
  • Assuming unemployment benefits will start immediately—account for a waiting period.
  • Not updating your expenses after a layoff, as some costs may decrease (e.g., commuting).

Last updated: August 13, 2026