How much runway do you actually have?

A note before you dive in: This calculator is a planning tool — not financial advice. The numbers it generates are estimates based on what you enter, and life rarely follows a spreadsheet. Unexpected expenses, tax timing, market changes, and a hundred other variables can affect your actual runway. I'm Your Ops Stylist, not a financial advisor. Use this as a starting point for your planning conversations — not as a substitute for one. If you're navigating a significant financial transition, please consult a licensed financial professional.

Your monthly expenses

Bare minimumRent, food, utilities, insurance, minimum debt payments

ComfortableAbove + savings, retirement, and some breathing room

Your available funds

Severance remainingCheck your severance letter for the exact figure

Personal savings availableOnly what you'd realistically use — be conservative

Unemployment benefits (monthly amount)What you receive each month — file immediately if you haven't

Unemployment benefits (total cap)Most states cap your total benefits — enter the lump sum max here

Other income (freelance, rental, etc.)Conservative only — money you're confident is coming

Your runway

Total funds

—

Severance + savings

Monthly shortfall

—

Expenses − income

Your runway

—

months (with buffer)

Your panic number

Enter your numbers above

This is the date by which you need to be generating income. It is not a threat — it is a compass. Put it in your calendar and let everything else be organized around reaching it.

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How much runway do you actually have?

You're in the right place.