A clearer job-exit decision
Can I afford to quit?
Start with four numbers. See the gap—or the cushion—before the emotions take over.
Your answer
You are $3,600 short of a comfortable six-month exit.
After one-time costs, your cash would cover about 5.3 months of the entered gap.
At $1,500 saved per month, you could reach the target around October 2026.
Show me the math
- Cash after one-time costs
- $27,000
- Target cash
- $33,600
- Extra cushion
- -$6,600
What this calculator can—and cannot—answer
It checks the financial runway, not whether you should leave.
The result compares accessible cash with one-time transition costs and the monthly gap between essential spending, added insurance, and reliable continuing income. It does not score your happiness or tell you what choice to make.
Verify health insurance timing and cost, final-pay and severance terms, taxes, unemployment eligibility, debt obligations, dependent needs, and how quickly you could reduce spending. Do not count uncertain freelance income or a hoped-for offer as reliable income.
Questions
Job-exit FAQ
Why is the default target six months?
Six months is a planning starting point, not a universal recommendation. Increase or decrease it based on dependents, job prospects, insurance, debt, health, and your tolerance for uncertainty.
Should I include retirement accounts?
Only enter money you have decided is safely available. Early withdrawals can involve taxes, penalties, lost growth, or plan restrictions.
What if I already have another offer?
Enter only income you expect to continue during the gap. For a detailed comparison between jobs, use the Career Lab after checking your basic exit runway.