Quit now
4.2 months$13,000 transition fundsBelow targetFinancial Runway Calculator
Can I afford to quit my job?
See your current runway, compare it with the target you choose, and understand what changes the result—without creating an account.
Private by design — calculations happen in your browser.Deterministic resultsEditable assumptions
How to use this tool
Start rough. Refine as you go.
Reasonable estimates are enough to reveal the shape of the decision.
- 1Enter your situation
Add the money, spending, and income assumptions you know.
- 2Choose your target
Select the number of runway months you want to examine.
- 3Explore what changes the outcome
Compare waiting and one-variable ways to close the gap.
Your current runway
4.2 months
Compared with your 6-month target.
4.2 / 6 months70% of target
Estimated target-runway date—
Transition funds$13,000
Protected reserve$5,000
Monthly burn$3,100
Target gap$5,600
What to look at first
Your runway gap
You are $5,600 short of your 6-month target. At the current savings pace, the target is approximately 4 months away.
The whole picture
What this means
Your current transition funds support 4.2 months of runway against your 6-month target.
The starting-funds gap is $5,600.
The one-variable options below show how savings, spending, income, or time change that gap.
At the current savings pace, the target is approximately 4 months away.
Explore
What changes the picture?
Compare waiting without changing your current-state result.
Wait 3 months
5.6 months$17,500 transition fundsBelow target+1.5 months vs. nowWait 6 months
7.1 months$22,000 transition fundsTarget reached+2.9 months vs. nowCustom wait sandbox
Scenario onlyChanging this slider updates only this custom scenario—not your current result or inputs.
Custom: wait 4 months
6.1 months$19,000 transition fundsTarget reached+1.9 months vs. nowPlan
Choose a scenario to create your plan
Select Use This Plan above. Your current-state analysis will remain unchanged.
One variable at a time
Ways to reach your target
Each mathematical option holds every other assumption fixed. These are comparisons, not advice.
Balance after leaving
Your runway over time
Spendable transition balance today versus after waiting six months. Protected reserve remains excluded.
Protected reserve is excluded from both lines.
Today starts with $13,000 in transition funds. Waiting six months starts with $22,000. Both lines use the same entered post-exit spending and income assumptions.
Transparent inputs
Assumptions driving this result
- Liquid savings
- $18,000
- Protected reserve
- $5,000
- Severance / one-time cash
- $0
- Other available cash
- $0
- Monthly spending
- $3,400/month
- Reliable recurring income
- $300/month
- Current monthly savings rate
- $1,500/month
- Runway target
- 6 months
Transparent by design
How this calculation works
Your protected reserve stays outside spendable transition funds. The deterministic engine models the remaining balance month by month, and temporary income stops after the duration entered.
Waiting scenarios use your current monthly savings pace. This tool helps compare assumptions; it does not determine whether leaving a job is personally or professionally safe.
What this tool answers
A focused view of your job-exit runway
Runway and protected reserve
Runway is the time your spendable transition funds support the entered post-exit outflow. Protected reserve stays visible but is excluded from the money both chart lines and scenarios may use.
Waiting scenarios
Quit now, Wait 3, Wait 6, and the custom sandbox use the same assumptions. Waiting applies the signed savings pace, so it can add or reduce transition funds.
Ways to reach a target
The four target solvers each change one variable while holding the others constant. They are transparent comparisons, not recommendations or a readiness score.
Your selected plan
The local three-page PDF records the chosen scenario, current and projected runway, assumptions, checkpoints, minimum target timing, and chosen exit timing.
Recalculate when the assumptions change
Revisit the plan if spending, reliable income, savings, protected reserve, or intended exit timing changes. The calculator is a planning aid based on entered estimates; it does not account for taxes, investment returns, unemployment eligibility, or job-market outcomes, and it does not determine whether resigning is safe.