Figure out how long your savings will last if you leave your job. Enter your finances to see your personal runway and whether you're ready to make the leap.
Checking + savings + liquid investments
Rent, bills, food, insurance, etc.
Freelance, passive income, etc.
One-time payments you'll receive
Savings you won't touch
Your Runway
5.7 months
(0.5 years)
Assessment
Very risky — build more savings first
Monthly Burn Rate
$3,500
Monthly Gap
$3,500
Months of runway (each bar = 1 month of remaining savings)
Daily
$117
per day
Weekly
$808
per week
Monthly
$3,500
net burn
Annual
$42,000
if unchanged
Cut expenses by 10%
New burn: $3,150/mo
6.3 mo
+0.6 months gained
Cut expenses by 20%
New burn: $2,800/mo
7.1 mo
+1.4 months gained
Cut expenses by 30%
New burn: $2,450/mo
8.2 mo
+2.4 months gained
Cut expenses by 50%
New burn: $1,750/mo
11.4 mo
+5.7 months gained
Consider which expenses are flexible: dining out, subscriptions, gym memberships, and entertainment are typically the easiest to reduce.
Your financial runway is how long you can sustain your current lifestyle without employment income. The calculation is straightforward: take your available savings, subtract any emergency buffer you want to keep untouched, then divide by your net monthly expenses (minus any side income). The result tells you how many months you can comfortably go without a paycheck. A runway of 6 months or more gives you breathing room to job search, start a business, or take a career break without financial panic.
Financial advisors generally recommend having 6-12 months of living expenses saved before quitting a job. If you have dependents or work in a field where job searches take longer, aim for 12 months or more. Having side income can reduce the savings needed.
Include all essential and recurring costs: rent or mortgage, utilities, groceries, health insurance (which may increase without employer coverage), car payments, loan payments, subscriptions, and personal spending. Don't forget costs that were previously covered by your employer.
Yes. Even during a planned career break, unexpected expenses can arise — car repairs, medical bills, or appliance replacements. Setting aside $3,000-10,000 as an untouchable emergency fund ensures these surprises don't cut your runway short.
You can extend your runway by reducing monthly expenses (downsizing, cutting subscriptions, cooking more), building side income (freelancing, consulting, passive income), negotiating severance, or temporarily pausing retirement contributions to free up cash flow.
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