Quick answer
What this tool helps you decide
Financial runway is available cash and expected severance divided by the monthly amount your expenses exceed ongoing income and benefits. This calculator keeps health insurance visible and gives you a two-month review buffer before the estimated depletion date.
How to use the result
- STEP 1
Enter money you can actually access and severance you reasonably expect.
- STEP 2
Enter a monthly household budget, health coverage, unemployment, and other income.
- STEP 3
Save the report, verify timing, and rerun a lean scenario before making a large commitment.
Frequently asked questions
What counts as available savings?
Use cash you can access for living costs. Keep retirement accounts separate unless you have deliberately modeled the taxes and trade-offs of a distribution.
Should I include unemployment before approval?
You can model it as a scenario, but run a second result at zero until the state confirms eligibility and timing.
Is the depletion date exact?
No. It converts a steady monthly gap into an approximate date. Real spending, benefit timing, taxes, and emergencies change it.
Your planning runway
2.4 months
About $4,200 per month is uncovered.
Review date: 2026-09-25
Estimated depletion date: 2026-11-25
The review date is two months before estimated depletion so you have time to change the plan.
This is a planning estimate, not financial advice. Taxes, debt changes, timing, and benefit eligibility can change the result.