How long could you last without a paycheck?
Financial runway is the number of months your savings cover your living costs with no income. These guides walk through the arithmetic, the parts most people get wrong, and the decisions the answer should change. Every article includes a free calculator — no signup, and your numbers stay in your browser.
-
Layoff planning
How Long Does It Take to Find a Job After a Layoff?
The median search takes 11 weeks, the average 26 — and 68% of job seekers have under two months of savings. Full 2026 data by age, occupation, and industry, plus the runway math that closes the gap.
-
Core concepts
Financial Runway Calculator: How Long Can You Survive Without a Paycheck?
What runway actually measures, why it matters more than net worth, how it differs from startup runway, and which assets you should not count toward it.
-
Layoff planning
How Long Will Your Severance Last?
A 12-week package is not three months of safety. See the formula employers use, the tax bite, and the COBRA cost that turns $18,460 into roughly 2.7 months of real runway.
-
Financial planning
How Long Will My Savings Last?
A lookup table for $5,000 through $100,000 across four expense levels, plus the two calculation mistakes that make people overestimate how long their money lasts.
-
Career decisions
How Many Months of Savings Do You Need Before Quitting Your Job?
Why the six-month rule of thumb is only half right, and which personal factors actually determine your real safety margin.
Free tools
-
Calculator
Financial Runway Calculator
Enter your savings and monthly expenses. Get your survival timeline, job loss, pay cut, and emergency expense scenarios — all calculated in your browser.
-
Calculator
The Latte Factor Calculator
See what small recurring purchases actually cost you over a year, and what they would be worth as runway instead.
-
Deep analysis
Deep Report
Twelve-month projections, debt erosion, quit-job analysis, and recovery paths built from your real numbers.