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.

金融

即时、私密且免费

裁员生存计算器.

2026年10月15日

评估您的跑道，对您的现金计划进行压力测试，并采取实际的后续步骤

设备端计算无需注册

输入数值

输入时结果会更新。

02 / 答案

每月义务

每月生活费

每月偿还债务

可用资源

当前流动资金储蓄

预期遣散费

每月副收入

家庭

家属

年级

出色的

8.6跑道

分数: 85/100

0月6个月12个月

每月净燃烧量

US$3,500

每月

应急资金缺口

US$0

剩余

行动计划

1将每月流出量减少至约 US$4,000 并暂停非必要订阅。

2目标是至少 US$700 的额外月收入以延长跑道。

3通过每周储蓄里程碑来缩小 US$0 的紧急资金缺口。

4首先致电贷方协商利率或暂时减免高息债务。

5每周跟踪跑道、申请、面试和现金消耗情况。

人工智能行动计划

使用人工智能根据您当前的数字生成个性化的 6 步生存计划。

Cite this calculator

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

Updated 2026年10月15日

Cite as: Mathify. (2026). 裁员生存计算器. https://mathify.one/zh/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