Financial Runway Calculator

Rebuilt to include the full core runway inputs, including unemployment insurance benefits, unemployment duration, projection period, and a direct state unemployment-office lookup link. Use it to estimate how long your current resources may last during a layoff or career transition.

Inputs

Enter your current cash resources, monthly obligations, income offsets, UIB details, and projection period.

Available resources

Cash savings

Taxable investments available to use

Severance / lump-sum payout

Unused PTO / bonus / other one-time cash

Monthly expenses

Essential monthly expenses

Discretionary monthly expenses

Healthcare / COBRA monthly cost

Debt minimums / required payments

Other monthly obligations

Monthly income offsets

Spouse / partner monthly income available

Consulting / side income per month

Other monthly income

Extra monthly buffer for inflation / surprises

Unemployment insurance benefits

Weekly UIB amount

Number of UIB weeks

UIB start delay (weeks)

Estimated UIB tax withholding %

Projection settings

Projection period (months)

State / territory worked in (for UIB office link)

Open state UIB office / filing page

This calculator is for educational planning only. It is a strategic estimate, not tax, legal, or benefits advice.

Your results

Runway Summary

This updates instantly based on your inputs.

Total starting resources

Total monthly burn rate

Monthly non-UIB income offsets

Net monthly burn after non-UIB offsets

Net monthly UIB (when active)

Estimated runway

0 months

Runway coverage over selected projection period

0% of selected projection period covered.

Reality check

Month-by-Month Projection

Shows how resources may decline over time based on your assumptions.

Month	UIB used	Net burn	Ending balance

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