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Calculadora de supervivencia al despido.

Calcule su pista de aterrizaje, pruebe su plan de efectivo y obtenga los siguientes pasos prácticos

Cálculo en el dispositivoSin registro
01

Introduce tus valores

Los resultados se actualizan al escribir.

Obligaciones mensuales

Recursos disponibles

Familiar

A
Calificación
Excelente
8.6Pista

Puntaje: 85/100

0 meses6 meses12 meses

Quema neta mensual

3500 US$

por mes

Brecha del fondo de emergencia

0 US$

superávit

Plan de acción

1Reduce la salida mensual a unos 4000 US$ y pausa las suscripciones no esenciales.
2Apunta a al menos 700 US$ en ingresos mensuales adicionales para extender tu margen de tiempo.
3Cierra tu brecha de fondo de emergencia de 0 US$ con metas de ahorro semanales.
4Llama primero a los prestamistas para negociar tasas o un alivio temporal en la deuda de alto interés.
5Haz seguimiento semanal de tu margen de tiempo, solicitudes, entrevistas y quema de efectivo.

Plan de acción de IA

Utilice IA para generar un plan de supervivencia personalizado de 6 pasos a partir de sus números actuales.

Cite this calculator

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

Cite as: Mathify. (2026). Calculadora de supervivencia al despido. https://mathify.one/es/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